The amount, scope of use, and repayment methods are different.

1. Limit: The limit of the installment pass card is independent of the credit card. If the fixed limit of the credit card cannot meet the needs of the user, you can apply for the installment pass.

2. Scope of use: Installment cards can only be used for purchases at designated cooperative merchants. Transfers and cash withdrawals are not allowed, and recycling is not supported. Credit cards can be used for purchases in any scenario that supports credit card payment, regardless of merchant type, and the money can also be withdrawn from the card or transferred to a debit card through a cash advance, which can be recycled after repayment.

3. Repayment method: Installment cards need to be repaid separately to the equipped installment card. Credit cards can be repaid in a variety of ways.