Credit card itself is not an online loan, but credit card consumption is a loan. This type of loan belongs to the personal guaranteed loan in the loan classification, and the part of the overdraft caused by using the credit card for consumption or payment belongs to the loan. The use of credit cards will be clearly recorded in the personal credit report. If the credit card is overdue, it will have a negative impact on the personal credit report and will directly affect the personal credit report life in the future. The above is the relevant content on whether credit cards count as online loans. What is a credit card loan?

A credit card loan means that the cardholder can apply to the card issuer for a credit card cash withdrawal within the limit that can be used by the credit card. There are two repayment methods for credit card loans: repaying the principal in full at once and repaying in installments. Credit card loans can be interest-free for a certain period of time after installment, but if the loan is overdue, the cardholder will need to pay high penalty interest. And you need to pay a certain handling fee to withdraw cash with a credit card, which is quite different from pledge loans and mortgage loans in the traditional sense. This article mainly writes about the relevant knowledge points about whether credit cards count as online loans. The content is for reference only.