1. Why don't you suggest paying back the loan to the credit card

Let's talk about the following points: 1. Paying back the credit card by borrowing new loans, just like paying off the loan, this fishing method is not desirable, which can only make the foreign debt roll bigger and bigger and eventually get out of control. 2. Being discovered by the bank If your method is simple, the bank may find that if the loan amount is similar to the bank's credit card arrears and can be found from the personal credit survey, then the bank may immediately cancel the credit line, and the family arrears need to be paid in advance, including service fees and loan interest, so the lender will have great pressure. 3. Pressure to repay loans Some people are used to using loans or bank credit cards to deal with asset problems, which may reach the level where loans cannot be loaned. Because loans are not so flexible, if the capital chain breaks, it is likely to lead to debt entanglement, and the adverse effects cannot be sorted out. 4. Personal credit information is black. Banks have high regulations on the integrity of customers. If this kind of personal behavior is found, it is likely to be blacklisted immediately, and then it is difficult to apply for loan business.

second, the difference between credit loans and credit cards

1. Different carriers

Credit card loans are based on the credit card platform to carry out credit card installment or cash advance business. Loan funds issued with full trust in the borrower's qualifications.

2. The loan amount is different

Many people's credit card amount is difficult to break through the 2, yuan mark. If they want to borrow money for travel, car purchase and decoration, it seems that they are somewhat stretched. In contrast, the credit loan amount is mostly about 1 times of the individual's monthly income, so as long as your monthly collection amount can easily exceed the credit card.

3. Different loan periods

Generally speaking, credit cards are mainly played in short periods, and the longest period is only 24 periods. Long-distance running routes are also laid, and the longest period can reach 5 years.

4. The characteristics are different.

There is no need to pay cash when spending, and repayment will be made on the BillingDate. If the credit card amount is relatively small, interest will be charged, and the repayment period is relatively short. Loans are relatively large in amount, long in life and relatively flexible.