With the development of financial technology, people have more options for borrowing. Microprime loans and credit cards are two common forms of borrowing, and they differ in terms of availability, scope of use, repayment, etc. This paper will analyse and compare particulate credit and credit cards from multiple angles。

The difference between granule and credit card

First, there is a clear difference in the availability of funds between particulate lending and credit cards. Micro-credit is a form of microcredit, usually provided by banks or other financial institutions. It mainly serves small-scale operators such as individual traders and micro-entrepreneurs, often with a low level of credit, typically between several thousand and several hundred thousand yuan. Credit cards, on the other hand, are a form of credit given by a bank or financial institution to a customer, who can consume them at the credit card level. Credit card levels are generally higher, ranging from several thousand to hundreds of thousands of dollars, depending on the individual credit appraisal。

Second, there are also some differences in the scope of use between particulate lending and credit cards. Particle lending is used mainly for the day-to-day working capital of micro-enterprises, for the purchase of equipment, for the purchase of raw materials, for the payment of salaries to employees, etc. Credit cards, on the other hand, can be used for daily consumption, shopping, travel, etc., whether online or offline. Credit cards can also be used as an international payment tool and can be used abroad。

In addition, there is a difference between particulate lending and credit cards in terms of repayment modalities. Microparticle loans are usually repaid on a monthly basis, with a fixed amount per month and a good credit record for timely repayment. The credit card, on the other hand, is repaid in full, i.e. on the date of repayment, the full amount due on the credit card, and the minimum, i.e., the minimum amount paid on the credit card, the remainder of which will give rise to interest. Failure to pay credit card arrears on time would have a negative impact on personal credit。

Based on the above, there are clear differences in the availability of funds, the extent of use and the manner in which they are repaid. Microprime loans are mainly targeted at individual business owners and micro-enterprises, with a lower loan level for day-to-day business turnover, while credit cards are applied to personal consumption, with a higher level and wider use, but repayment modalities require attention. In the selection of the lending modality, a reasonable choice should be made based on actual needs and individual capabilities。