1. Different applications. Credit cards need to be applied to the bank and issued by the bank. The credit card will verify whether the applicant's details are appropriate and meet the basic conditions before processing. Online loans are generally based on small Internet platforms. The application threshold is low, and many people only need to provide their ID cards to apply.

2. Different interests. Credit cards are issued by banks and the interest is relatively reasonable. How high is the interest rate of online loans? Some people know that some people suffer.

3. The consequences are different. Credit cards are products of banks, and the adverse consequences of using credit cards are directly related to personal credit information. If it is overdue for a long time, it is also related to criminal law. However, the most serious online loan is violent collection, and criminal prosecution is rare.

Therefore, although credit cards and online loans are both loans, there are great differences between them.

If users need to apply for loans, they can apply for loans at major banks, or they can apply for loans at major legal lending platforms (such as JD.COM Gold Bar and Alipay).

Basic conditions for applying for a loan: 1. The applicant is at least 18 years old and has full capacity for civil conduct; 2. The applicant's personal credit conditions are good and there is no bad credit record. You can know the current credit status (cloud check data) on WeChat; 3. The applicant has a legal and stable job and income; 4. The applicant has the ability and willingness to repay the loan in full; 5. The applicant has a fixed residence in the place where the loan application bank is located.