You too, the credit card loan you mentioned is ok. Credit card loan is actually a kind of cash installment, sometimes called cash withdrawal installment. It is usually applied by the credit card holder, or the issuing bank actively invites the cardholder to apply, and converts the cardholder's credit card limit into cash, transfers it to the designated debit card, and returns it according to the specified monthly installments. Simply put, the bank will convert your credit card limit into cash according to the amount you apply for and send it to your name for designation.

What are the advantages of credit card loans over direct credit card loans?

High quota

The amount of credit card loans will far exceed the amount you withdraw, which is a very important advantage. Maybe your credit card has a high limit, but if you withdraw cash by credit card, the limit of 100% cannot be used. General banks stipulate that the withdrawal amount of credit cards is about 30%-50% of the credit limit.