1. Review threshold: As far as application is concerned, online lending is still very simple. Generally, you only need to fill in the relevant application materials online, and after identity authentication and bank card authentication, it is very fast. After all, credit card is a banking product. Not only do you need to fill in the detailed information, but the other party will also conduct telephone audits and other links. In addition, the examination and approval results and business card printing probably take 15 days, which is still very patient.

2. Interest: The interest rate of online loans is generally high. Although there is a red line, the annual interest rate of most online loans is 24% and above; On the other hand, credit cards are different. There is no interest for normal repayment on time and in quantity, and only interest or installment fee will be charged for the minimum repayment amount or installment repayment.

3. Consequences: Online loans are not necessarily used for credit reporting. At present, only the online loans of banks, regular licensed consumer finance companies and lenders accessing the credit information system will be used for credit information. General online lending will only affect users' big data; Credit cards, on the other hand, will be reflected in the credit report in terms of credit limit, usage status and whether it is overdue, and the consequences will be more serious.