Credit card is a non-cash transaction payment method and a simple credit service. Banks or credit card companies will issue them to cardholders according to their credit and financial resources. Cardholders do not need to pay cash when using credit cards, but will repay on the checkout date. Except for some credit cards combined with financial cards, credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct money from users' accounts.

Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. The maximum loan amount generally does not exceed 80% of the price of the purchased car. You have to pay a down payment. The repayment method is also different from credit card.