1. They belong to different categories. An installment card is an automatic installment card for consumption launched by a bank; an ordinary credit card is a credit consumption card sponsored by a bank.

2. The quota regulations are different. The limit of installment cards is generally higher, usually starting at 100,000; the limit of credit cards depends on the level. The higher the level, the better the cardholder's personal comprehensive qualifications, and the higher the loan limit on the card; usually, the limit of an ordinary-level credit card is only about a few thousand yuan.

3. Bill installment regulations are different. When the cardholder's consumption using the installment card reaches the specified amount, the system will automatically process the installment; when using a credit card, the installment will not be automatically processed. The cardholder needs to actively submit an installment application to the bank after consumption before repaying the installment in installments. .

2. Credit card application process

1. Apply for a credit card at a bank branch:

After selecting the bank you want to apply for, you can go directly to the bank branch with your ID card, and then inform the bank's lobby manager that you need to apply for a credit card. At this time, the lobby manager will You will be given a credit card application form, fill in the information according to the form requirements, then pick up your number at the number-taking machine and wait for your number to be called at the counter. After your number is called, you can go to the counter and submit the application form and your personal ID card to the work The staff will handle it for the user. After successful submission, just wait for the review result.

2． Bank official website processing:

Now every bank has its own official website. Users can visit the official website of their bank, then find the credit card section on the homepage, click to enter and select the type of credit card they want to apply for, and Submit your application materials according to the prompts on the page, and then wait for the review results.

3. Staff will come to handle the process:

Users can call the customer service number of the bank's credit card center and inform them that they need to apply for a credit card and hope that a staff member will assist with the application. At this time, the bank will arrange for the corresponding staff to handle it. Just follow the staff's requirements and submit the application.