Credit cards and online loans are two different types of borrowing methods. A credit card is a credit limit provided by a bank to cardholders. Cardholders can use the credit limit to purchase goods or pay fees according to their own consumption needs. Online loans refer to borrowers borrowing money from lenders through the Internet lending platform and obtaining the corresponding loan amount after approval by the lender.

The difference is that the use of credit cards is relatively flexible and convenient. Cardholders can use the credit limit in a timely manner according to their own consumption habits. At the same time, they can decide whether to pay off the full amount or not based on their repayment ability and usage. Installment repayment. For online loans, you need to provide more detailed personal information and the purpose of the loan, and you generally need to repay all principal and interest within the agreed time.

It should be reminded that the polished paragraph may be a phishing scam, and lending is risky. It is recommended to choose carefully. If you need to borrow money, it is recommended to choose a formal and compliant credit institution and use it rationally.