1. The application methods are different. To borrow money with a credit card, you apply to the bank and the bank issues it. The bank will review the user's information and process it only if the conditions are met. Online loans are mainly online loans, and the application threshold is lower than that of banks. You can apply by providing your ID card.

2. Interest rates are different. When you borrow money with a credit card, the bank issues interest, and the interest rate is reasonable. Online loans have higher interest rates, which puts greater pressure on users.

3. The consequences are different. Credit card borrowing is a bank product. If the user is overdue, it will be reported to the central bank's credit reporting system and may be prosecuted, affecting the user's normal life. After the online loan is overdue, you may be subject to violent collection.

4. Application conditions. Credit cards are bank products. When applying, you need to fill in detailed information and check credit reports, etc., and the payment time will be longer. Online loans are much simpler than credit cards. Usually, you only need to fill in the relevant application information online and proceed. Just submit for review after identity verification and bank card verification.

5. Application review. Review means that the card issuer reviews the applicant's application materials and shows that the credit status is normal. Loan is a credit card approval method. Applicants can apply for a certain amount of loan based on their own credit conditions if their credit status is good. The application conditions for a credit card are relatively simple. Applicants need to have a fixed residence and business place in the location of the card-issuing bank, or materials that can prove their ability to repay.

Can I transfer money by credit card?

Credit cards can be transferred, but they can only be transferred to debit cards, and cannot be transferred to credit cards. Credit card and debit card transfers are divided into the following two situations:

1. Transfer from credit card to debit card: In this case, you need to pay a certain handling fee, and like cash withdrawal, there is no interest-free period, and interest of 0.05% is usually paid every day.

2. Debit card transfer to credit card: This situation applies to credit card repayment. Telephone hotlines, business outlets, and online banking can all be directly linked to debit cards, and funds can be transferred before the repayment date.