The interest rate of credit card is five ten thousandths per day, and the interest rate of micro-loan is two ten thousandths to five ten thousandths per day, which means that the interest rate of micro-loan may be the same as that of credit card or lower than that of credit card. However, it should be noted that if a credit card is repaid on time, it will not generate interest, and only overdue, minimum repayment or overdraft will generate interest.