Some time ago, credit cards were promoted. Many people reported that credit card applications were troublesome, and the amount of online loans might not be so high. Now, with convenient online loans, credit cards are of little use.

Then the question comes: since credit cards are not as good as peer-to-peer lending, why do banks sell them face to face?

As a channel for banks to lend us money, credit cards are safer and more stable than peer-to-peer lending. Second, credit card is the most official lending channel, which can evaluate the advantages and disadvantages of personal credit information in our country, while peer-to-peer lending belongs to private lending, not official channels, and national personal credit information can only evaluate the disadvantages for you.

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