credit card interest is low. The interest of credit card fluctuates between 15% and 25%, while the interest of online loan fluctuates between 2% and 36%, so the interest of credit card is low, but once it is overdue, it will enter the credit record, which will have an impact on the borrower's credit, and whether the online loan is overdue depends on the nature of the loan platform. Credit card is a credit certificate issued by a commercial bank or credit card company. Credit card refers to all kinds of media that record the relevant information of the cardholder's account, have the function of bank credit limit and overdraft, and provide relevant banking services for the cardholder. The earliest credit card appeared at the end of the 19th century, and the British clothing industry developed the so-called credit card, and tourism and commercial departments also followed this trend.