That depends on how long you have spent the money. Assuming that it can be paid back within one month, it is of course cost-effective to apply for a credit card, and there is no interest. If you want to use it for 3-5 years, and the amount is about 654.38+10,000 yuan, it is recommended to use a loan, because there are several repayment methods. First, you can reduce the principal and interest, that is, the equal principal and interest. In this way, the monthly interest and principal should be paid together. And the monthly repayment of the principal decreases, and the interest also decreases with the decrease of the principal. Another way is to pay the interest first and then the principal, that is, pay the interest every month, not the principal, and return the principal at one time when it expires. This repayment method will improve the utilization rate of funds and reduce your monthly repayment pressure. When you apply for a credit card, you have to pay interest and principal every month, and the principal and interest paid every month are the same. But when you pay it back the next month, the calculation method of the credit card is still based on the same principal, which will cause your monthly interest to be more than the loan interest. In this way, the interest of credit card repayment method is higher than that of loan, so when you swipe your credit card, the bank will generally encourage you to apply for installment.