There is no conflict between online merchant loans and credit cards.

Online merchant loan is a loan product of online merchant bank, focusing on financial services such as loans for small and micro enterprises, merchants and rural users. It is pure credit, unsecured, and can be repaid at any time for up to 24 months. A credit card is a credit certificate issued by a commercial bank or a credit card company to eligible consumers. The form of credit card is a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.