Credit card consumption is also considered a loan, but it is different from what is usually called a loan. The credit card is a revolving credit card. After repayment, the credit limit is restored and you can continue to use it. As for cash loans that are often mentioned, the limit will not be restored after repayment, and you need to be re-examined when you use it up and borrow again. In addition, there is an interest-free period for credit card purchases. If you repay in full and on time before the repayment date, no interest will accrue. However, interest begins to accrue when the cash loan is paid down.