Credit cards are not online loans. Credit card is a debit card issued by a bank, which provides a certain credit limit for cardholders and can be used for consumption or cash withdrawal. Peer-to-peer lending usually refers to the loan service provided through the Internet platform, which involves activities in peer-to-peer lending. Although both credit card loans and online loans belong to personal consumption loans, they are similar in some aspects, but they are essentially different concepts. Credit card loans are usually separated from credit card quotas and have independent quotas. According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders. The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1 The English Translation and Writing Standard for Public Service was formally implemented, which stipulated that the English name of CreditCard was Credit Card.