As far as credit reporting is concerned, there is no difference between the two. As long as the repayment is made on time, it will not affect the credit information, and even add a good repayment record to prove that you have the repayment ability. The most important thing is to repay the loan on time, because the greater the overdue amount, the greater the collection strength and influence, and the most serious consequence is being sued by the court, which may cause a lot of trouble.
As far as the amount is concerned, credit cards and loans are slightly different.
1, credit card
Although the total amount of the borrower is around 300,000, the debt ratio should be considered. If the current credit card usage amount and the credit card usage amount in the last six months account for more than 70% of the total amount, it will have a certain impact on the later loan application, which is a relatively high debt ratio.
2. Loans
There are many kinds of loans, divided according to the size of influence: credit loans >; Secured loan > mortgage loan; Multiple strokes > single stroke; Management > consumption; Small loan companies issue loans > banks issue loans.
Different loan products and lending institutions will affect other subsequent businesses. Because a person's monthly income and assets are limited, the higher the amount of debt, the higher the risk. For example, if the collateral has completed the previous loan and applied for a similar product, the mortgage will be deducted, and the pass rate and quota will be greatly reduced.
So you can choose according to your own needs. Credit card borrowing has the same impact as loans. It is possible that you can't borrow 200,000 yuan from the institution at one time, and you may have to borrow in batches. In short, we must remember to repay the loan, otherwise such a large amount of debt may be in trouble if it is overdue.