There are some differences between credit card business and general personal loan business. Credit card is the main payment method? One of the tools, local currency and foreign currency integration, can be used across borders; Personal loan business is generally based on local currency, which is limited to domestic use, and credit cards generally have interest-free repayment periods; Personal loans generally have no interest-free repayment period, and credit card banks charge fees, which are generally included in the "intermediary business income" of banks, and the amount of fees is calculated by "rate"; The interest charged by a bank for personal loan business is generally included in the "interest income" of the bank, and the amount of interest is calculated according to the "interest rate". Fourth, credit card funds are only allowed for consumption and cannot be used for investment, real estate, production and operation; Personal loan funds can be used for house purchase, production and operation according to regulations, and shall not be used for investment.