Consumer credit provides for collateral. For example, you make a purchase of a new refrigerator in a store or Bank in this way, and if you do not repay it on time, the Bank has the right to withdraw the unit. The loan is issued longer than the credit card and usually in the personal presence of the client.
A credit card allows you to buy the same refrigerator, but usually using the terminal, because the cash withdrawal will result in a round sum. If you do not pay off the debt on time, you will still have a refrigerator, but your credit cheapcvvhistory will be ruined. Plus, you will have to pay penalties and fines.