;?Many people often face two choices when they are short of money, one is to use credit cards to make money, and the other is to get funds from loans. So, should I get a credit card or a loan for long-term turnover? In fact, there is no need to worry too much. As long as you grasp three points, it is a better choice. Let’s take a look.

Credit card or loan for long-term turnover? 1. From the perspective of credit limit: Although credit cards and loans are assessed and granted by the system, it is easier to increase the limit of credit cards. If you use the card regularly and regularly, it will be relatively easy to develop a credit card with a limit of tens of thousands after one or two years. . Although loans are said to have a maximum limit of several hundred thousand, unless they apply for a mortgage loan or guaranteed loan, few people can obtain a limit of tens of thousands. 2. From the perspective of the use period: As long as the credit card is not blocked or frozen, it can generally be used for a long time. After all, even if it has a validity period, the card will be automatically renewed when it expires, and the use period will continue to be extended; most loans can only be used for a maximum of You can borrow for 2 years, and there are also loans for 5 years, but they are relatively rare. In comparison, credit cards still have advantages. 3. From the perspective of use: credit cards can not only be used for interest-free overdraft consumption, but also can be used to withdraw cash for emergencies, or to apply for cash installments to obtain funds. As long as it is used for daily life, there are generally no restrictions on use; loans can only be used for loans. When borrowing money, some people can bind the limit to a credit card or Alipay for consumption, but they do not enjoy the interest-free period and the interest is calculated on a daily basis just like borrowing money. Of course, if you still don’t know what to choose after seeing this, don’t worry too much. You must know that credit cards and loans are not in conflict. It is best to have them both, so you can apply for both. Then use the credit card for daily expenses, and get a loan when you need money. The above is the relevant introduction to "should I apply for a credit card or a loan for long-term turnover", I hope it will be helpful to everyone.