The loan process is the same. According to Baidu Education, the credit card business is the same as the general personal loan business. When handling credit card business and general personal loan business, the bank gives a certain credit line according to the credit status of the loan applicant, and the lender uses the funds according to the agreed conditions and repays the loan according to the agreed period and amount. Exceeding the prescribed time limit or insufficient repayment amount will cause overdue penalty interest, terminate the loan and force early repayment.