1. The regulations are different: the loan requirements are high and difficult to pass, and the salary standards are relatively high. The threshold for a credit card is very low, as is the salary threshold. As long as you have good credit and a job;

2. The amount and scope are different: there are many types of loans, which are more common than credit cards and can be used to buy A car can also be used to buy a house, and the loan amount is more than 10,000. A credit card is a card used to pay for overdrafts, most of which are small purchases;

3. The time is different: the loan is issued in a relatively short time, usually 2-5 days later. The issuance cycle of a credit card is relatively long, usually 15-20 days;

4. Different meanings: a credit card refers to an electronic payment card issued by banks and other financial institutions, used for transactions, loans, Deposit cash etc. Loans refer to credit activities in which banks and other financial institutions borrow money from the outside world according to certain interest rates and repayment standards.

What are the disadvantages of online loans?

1. Low credit limit: Most online loans are basically between a few thousand yuan and tens of thousands of yuan, and rarely hundreds of thousands.

2. Insufficient integrity: The online loan industry is a mixed bag. Many people applied for online loans, but instead of getting money, they were defrauded a lot.

3. High interest rates: Online loan products vary, but it is inevitable that there will be some with high interest rates.