1. Loan amount

The amount of an ordinary credit card is generally between 5, and 2, yuan, and the maximum amount is only 2, yuan if the cardholder can fully installment; The credit loan amount is generally about 1 times of the monthly income, that is to say, if your monthly income is over 4, yuan, then the loan amount can reach 4, yuan, and if the qualification is better, the loan amount will be higher.

2. Loan term

Generally, the longest installment period for credit cards is two years, while the longest installment period for credit loans is five years.

3. Loan threshold

Compared with credit card installment, the application threshold for credit loans is higher, especially in terms of monthly income requirements, and credit card installment can be handled only by the cardholder making a phone call.

4. Charging standard

Credit loan interest rates vary from bank to bank, but they will all rise above the benchmark interest rate; There is no interest on credit card installment, but the issuing bank will charge a fee according to a certain monthly fee rate standard, and the fee rate standard for different installments is different. Generally, the longer the term, the higher the rate.