Credit card loan means that users with credit cards can obtain a certain amount of loans from banks or credit card companies through the loan service provided by credit card overdraft limit. This kind of loan is fast and convenient, and users can get the loan without any guarantee or mortgage.

However, credit card loans also have certain risks. Because this loan method does not need mortgage and guarantee, the interest rate is higher. If users can't repay on time, they will face high penalty interest and late payment fees, which will damage users' personal credit records. Therefore, when using credit card loans, users should pay back in time in strict accordance with the repayment requirements of banks to avoid overdue.

Finally, remind everyone that when using credit card loans, you should choose a regular bank or credit card company to apply. Avoid choosing bad credit institutions and avoid being affected by credit scams. At the same time, users should borrow reasonably according to their repayment ability, and don't blindly overdraw and lend, so as not to cause unnecessary expenses and losses.