1. The regulations are different: the loan regulations are difficult to pass, but the salary regulations are relatively high. Credit card regulations are low, and the salary regulations are also low, as long as you have a good credit information and a work unit;

2. The amount and scope are different: there are many types of loans, which are more common than cards. They can be used to buy cars and houses, and the amount of loans is above 1,. Credit card is a kind of card used for overdraft consumption, most of which are small-scale consumption;

3. Time is different: the loan payment time is short, usually 2 to 5 days after application. Credit card issuance takes a long time, generally taking 15 to 2 days;

4. Different meanings: Credit cards are electronic payment cards distributed by banks and other financial institutions for transactions, loans and cash deposits. Loans are the credit activities of banks and other financial institutions that borrow money according to certain interest rates and repayment standards.

that's the difference between credit card and loan. Disadvantages of online loans

1. The amount is small: the vast majority of online loans can only apply for thousands of quotas, and the high ones are only tens of thousands of RMB, and few can apply for hundreds of thousands of quotas;

2. The reliability is not high: the quality of the online loan industry is uneven. Many users apply for online loans without getting money, but they are cheated into a lot of money;

3. High interest rate: The quality of online loan products is mixed, and it is inevitable that there will be one with super high interest rate. Advantages of bank loans

1. The amount is high: there are many types of bank loans, and you can apply for thousands of quotas, and you can apply for tens of thousands, hundreds of thousands, millions or even tens of millions;

2. Low interest rates: most of the bank loan interest rates are not too high, and the interest rates are very transparent, as much as they say;

3. Long loan term: after the loan, you can apply for repayment by installments, up to 6 installments, which greatly reduces the pressure of repayment;

4. The risk is low: you won't be cheated when you borrow money from a bank;

5. The source of funds is stable: if the user meets the requirements, the problem of poor money of the user can be solved in the bank. Disadvantages of bank loans

1. The application threshold is high: bank loans not only depend on personal status, but also on personal credit information. Finally, comprehensive evaluation is needed, and many users are rejected because they cannot meet the requirements;

2. Slow payment: It takes half a year for banks to apply for loans, because the review process is complicated and particularly detailed.

This article mainly focuses on the differences between credit cards and loans, and the contents are for reference only.