When applying for a loan, the small amount and large amount in the loan are completely different from those in the credit card, because if you borrow a loan of 654.38+80,000, it is a small loan. But credit card, do you think you can get such a high limit just by getting a new card? Impossible micro-loans can be credit loans. In some cases, if the banking policy is loose, you can borrow 654.38+800,000 yuan from him. As long as your personal bank runs smoothly, you have spent a lot of money in the past and then earned a lot of money, which proves that you have a certain repayment ability, and the other party can lend you this money at the interest rate of the loan.
It is not easy for the other party to give you a large credit card, because you may give you a 1000 credit card when you first apply for a credit card, which is quite high. Because the other party doesn't know whether you have a stable repayment ability, even if it is approved, the other party thinks that your repayment ability was relatively stable in the past, but it is impossible to give you too much credit at first. It is almost impossible for a credit card to give you a limit of 6,543,800+at first. You need to hold a card. The longer it takes, the more stable the repayment will be, and the bank will gradually give you a line.
Moreover, the interest rate of the credit card itself is basically about 5 1005/ 10000 yuan and 5/ 10000 yuan. Have you thought about it? So what's the annual interest rate? Isn't that much more expensive than the bank's loan interest rate of 5% to 6%? Besides, his exam conditions are so strict that you can borrow as much as you want. It's better to have a small loan than to be so troublesome.