Generally speaking, it is more cost-effective for ants to borrow money than to withdraw cash directly from credit cards, and it is also more cost-effective than the installment of some bank credit card bills.

Of course, this is just a comparison from borrowing. If the application conditions and daily dosage are added, the two are evenly matched.

The threshold for ants to borrow and credit cards is not low. Credit cards can be applied for by themselves anyway, and ants can only borrow them when the system is opened. There is an interest-free period of 18-56 days after daily credit card consumption. No interest is charged for full repayment before the repayment date, and interest is calculated after the ant borrows the money.