[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"nav-categories":3,"article-what-is-a-loan-on-a-credit-card-how-does-it-work":70},{"data":4},[5,37,57,64],{"name":6,"slug":7,"categories":8},"Productivity","productivity",[9,13,17,21,25,29,33],{"id":10,"title":11,"slug":12},17,"Branding","branding",{"id":14,"title":15,"slug":16},19,"Marketing","marketing",{"id":18,"title":19,"slug":20},20,"Work","work",{"id":22,"title":23,"slug":24},34,"Community","community",{"id":26,"title":27,"slug":28},21,"For newbies","for-newbies",{"id":30,"title":31,"slug":32},24,"Investment","investment",{"id":34,"title":35,"slug":36},22,"Finance","finance",{"name":38,"slug":39,"categories":40},"Tech","tech",[41,45,49,53],{"id":42,"title":43,"slug":44},28,"Technology","technology",{"id":46,"title":47,"slug":48},32,"Artificial Intelligence","artificial-intelligence",{"id":50,"title":51,"slug":52},26,"Security and protection","security-and-protection",{"id":54,"title":55,"slug":56},31,"YouTube Blog","youtube-blog",{"name":58,"slug":59,"categories":60},"News","news",[61],{"id":62,"title":58,"slug":63},18,"quasanews",{"name":65,"slug":66,"categories":67},"Business","business",[68],{"id":69,"title":65,"slug":66},16,{"post":71,"published_news":96,"popular_news":164,"categories":233},{"title":72,"description":73,"meta_title":72,"meta_description":73,"meta_keywords":74,"text":75,"slug":76,"created_at":77,"publish_at":78,"formatted_created_at":79,"category_id":34,"links":80,"view_type":85,"video_url":86,"views":87,"likes":88,"lang":89,"comments_count":88,"category":90},"What is a Loan on a Credit Card? How does it Work?","In just a matter of a few years, we have gone from a situation where there was little to no access to credit facilities to overflowing credit options.","Loan on a Credit Card, finance","\u003Cp>Hello!\u003C/p>\n\n\u003Cp>In just a matter of a few years, we have gone from a situation where there was little to no access to credit facilities to overflowing credit options. Of late, getting loans and other credit facilities has become so easy that almost anyone can apply for it and get it sanctioned almost instantaneously.\u003C/p>\n\n\u003Cp>\u003Cpicture class=\"image-align-left\">\u003Csource srcset=\"https://cdn.quasa.io/photos/foto-14/alp-1.webp\" type=\"image/webp\">\u003Cimg class=\"image-align-left\" height=\"103\" src=\"https://cdn.quasa.io/photos/foto-14/alp-1.jpeg\" width=\"300\" / alt=\"What is a Loan on a Credit Card? How does it Work?\" loading=\"lazy\">\u003C/picture>If you’re looking for a quick loan, one of the best options available to individuals such as yourselves has to be –\u003Ca href=\"https://quasa.io/ru/media/how-to-use-your-credit-card-wisely-7-smart-tips\"> loan on a credit card\u003C/a>. Yes, you read that right. Your \u003Ca href=\"https://quasa.io/ru/media/how-to-choose-a-credit-card-in-four-steps\">credit card\u003C/a> doesn’t just allow you to make purchases on credit but also lets you borrow loans too. Wish to get to know more about credit card loans and how they work? Continue reading.\u003C/p>\n\n\u003Ch4>What Is a Loan on a Credit Card?\u003C/h4>\n\n\u003Cp>As it is quite evident from the name itself, a loan on a credit card is just that; a loan that you avail using your credit card. If you have a good track record of having used your card responsibly and paying all of the dues on time, banks and other financial institutions generally allow you to avail of loans using your credit card.\u003C/p>\n\n\u003Cp>\u003Cpicture class=\"image-align-left\">\u003Csource srcset=\"https://cdn.quasa.io/photos/foto-14/alp-10.webp\" type=\"image/webp\">\u003Cimg class=\"image-align-left\" height=\"182\" src=\"https://cdn.quasa.io/photos/foto-14/alp-10.jpeg\" width=\"277\" / alt=\"What is a Loan on a Credit Card? How does it Work?\" loading=\"lazy\">\u003C/picture>Now that you’re aware of what credit card loans are, let’s take a quick look at a few of the features and benefits that you get to enjoy.\u003C/p>\n\n\u003Ch3>1. Credit Card Loans Are Preapproved\u003C/h3>\n\n\u003Cp>A loan on a credit card comes pre-approved by the bank or the financial institution. This effectively means that you don’t have to apply for a loan and wait for the bank to process your application and then decide on whether to give you the loan. Instead, you can get the loan disbursed almost instantaneously to your bank account.\u003C/p>\n\n\u003Ch3>2. Credit Card Loans Are Unsecured\u003C/h3>\n\n\u003Cp>One of the primary advantages of availing of a loan using a credit card is the fact that they’re unsecured. This means that you don’t have to pledge any of your assets as collateral to get a credit card loan.\u003C/p>\n\n\u003Ch3>3. Reasonable Interest Rates\u003C/h3>\n\n\u003Cp>\u003Cpicture class=\"image-align-left\">\u003Csource srcset=\"https://cdn.quasa.io/photos/foto-14/alp-11.webp\" type=\"image/webp\">\u003Cimg class=\"image-align-left\" height=\"169\" src=\"https://cdn.quasa.io/photos/foto-14/alp-11.jpeg\" width=\"300\" / alt=\"What is a Loan on a Credit Card? How does it Work?\" loading=\"lazy\">\u003C/picture>The interest rates on the loans are also very attractive. They’re usually on par with personal loans; maybe sometimes even lower, depending on your credit score.\u003C/p>\n\n\u003Ch3>4. Customizable Repayment Tenure\u003C/h3>\n\n\u003Cp>Generally, \u003Ca href=\"https://quasa.io/ru/media/credit-repair-companies-how-do-they-work\">credit card loans\u003C/a> come with a flexible tenure ranging from 6 months to 60 months. You can choose the repayment tenure that you are comfortable with, without having to take on an unnecessary burden.\u003C/p>\n\n\u003Ch4>How Does a Loan on a Credit Card Work?\u003C/h4>\n\n\u003Cp>\u003Cpicture class=\"image-align-left\">\u003Csource srcset=\"https://cdn.quasa.io/photos/foto-14/alp-2.webp\" type=\"image/webp\">\u003Cimg class=\"image-align-left\" height=\"183\" src=\"https://cdn.quasa.io/photos/foto-14/alp-2.jpeg\" width=\"275\" / alt=\"What is a Loan on a Credit Card? How does it Work?\" loading=\"lazy\">\u003C/picture>Want to know how credit card loans work? Here’s an example that can help you understand.\u003C/p>\n\n\u003Cp>Assume that you have a credit card with a credit limit of Rs. 2 lakhs. You use your card responsibly, are prompt when it comes to repaying all your dues, and you ensure that you pay the entire outstanding amount and not just the minimum amount. Also, you have a very good credit score and credit history too.\u003C/p>\n\n\u003Cp>Taking all of this into consideration, the bank offers you a pre-approved credit card loan of Rs. 1.5 lakhs, which you can avail of at any point in time. Now, say that you’re in urgent need of some funds. You choose to avail of a loan on your credit card and proceed to borrow Rs. 1 lakh at an interest rate of 14% for a tenure of 24 months.\u003C/p>\n\n\u003Cp>The amount that you borrowed as a loan will now be blocked on your account, reducing your credit limit from Rs. 2 lakhs to Rs. 1 lakh. Each month, you will have to repay a specific amount as EMI, which will be charged to your credit card automatically.\u003C/p>\n\n\u003Ch4>How to Apply for a Credit Card Loan?\u003C/h4>\n\n\u003Cp>Sounds interesting, right?\u003C/p>\n\n\u003Cp>\u003Cpicture class=\"image-align-right\">\u003Csource srcset=\"https://cdn.quasa.io/photos/foto-14/alp-3.webp\" type=\"image/webp\">\u003Cimg class=\"image-align-right\" height=\"188\" src=\"https://cdn.quasa.io/photos/foto-14/alp-3.png\" width=\"300\" / alt=\"What is a Loan on a Credit Card? How does it Work?\" loading=\"lazy\">\u003C/picture>Let’s now take a look at how you can apply for a credit card loan:\u003C/p>\n\n\u003Col>\n\t\u003Cli>Log into your bank’s net banking portal or credit card portal.\u003C/li>\n\t\u003Cli>Navigate to the credit cards section.\u003C/li>\n\t\u003Cli>Look for the loan on the credit card option and proceed.\u003C/li>\n\t\u003Cli>Enter the details of the loan such as the amount of the loan and the tenure. The rate of interest will be automatically displayed depending on your choices.\u003C/li>\n\t\u003Cli>Verify the loan details and confirm to avail of the loan.\u003C/li>\n\t\u003Cli>The loan amount will be credited to your bank account instantly.\u003C/li>\n\u003C/ol>\n\n\u003Cp>\u003Cpicture class=\"image-align-left\">\u003Csource srcset=\"https://cdn.quasa.io/photos/foto-14/alp-8.webp\" type=\"image/webp\">\u003Cimg class=\"image-align-left\" height=\"168\" src=\"https://cdn.quasa.io/photos/foto-14/alp-8.jpeg\" width=\"300\" / alt=\"What is a Loan on a Credit Card? How does it Work?\" loading=\"lazy\">\u003C/picture>Now, the application process specified above is to give you a general idea of what it would take to avail a credit card loan. Depending on the institution whose credit card you have, the process might vary a little.\u003C/p>\n\n\u003Ch4>Conclusion\u003C/h4>\n\n\u003Cp>As you may have realized already, a loan on a \u003Cstrong>credit card\u003C/strong> is only offered to those who already possess a credit card. If you don’t have one already, don’t fret. You can apply for one within just a few minutes through the Finserv MARKETS app. Download the app on your smartphone right now and check out the various credit card options and offers that are currently available.\u003C/p>\n\n\u003Cp>Thank you!\u003Cbr />\nSubscribe to our newsletter! Join us on social networks!\u003Cbr />\nSee you!\u003C/p>","what-is-a-loan-on-a-credit-card-how-does-it-work","2022-03-29T20:01:36.000000Z","2022-03-30T06:30:00.000000Z","30.03.2022",{"image":81,"image_webp":82,"thumb":83,"thumb_webp":84},"https://cdn.quasa.io/images/news/7EdenBkiwrWdnWg7jEnZ0JCANAasQJl0SZyfY2fO.jpg","https://cdn.quasa.io/images/news/7EdenBkiwrWdnWg7jEnZ0JCANAasQJl0SZyfY2fO.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/7EdenBkiwrWdnWg7jEnZ0JCANAasQJl0SZyfY2fO.jpg","https://cdn.quasa.io/thumbs/news-thumb/images/news/7EdenBkiwrWdnWg7jEnZ0JCANAasQJl0SZyfY2fO.webp","large",null,2863,0,"en",{"id":34,"title":35,"slug":36,"meta_title":91,"meta_description":92,"meta_keywords":93,"deleted_at":86,"created_at":94,"updated_at":95,"lang":89},"Quasa Media's Growth Hacking Finance Blog","Trends in financial literacy. Savings and investment options.","Finance, invest, money, rich, financial plan","2021-10-27T19:57:04.000000Z","2024-08-25T15:36:23.000000Z",[97,112,125,138,151],{"title":98,"description":99,"slug":100,"created_at":101,"publish_at":101,"formatted_created_at":102,"category":103,"links":104,"view_type":109,"video_url":86,"views":110,"likes":88,"lang":89,"comments_count":88,"is_pinned":111},"NVIDIA Lyra 2.0 Solves Spatial Forgetting and Temporal Drift in Generative Video","NVIDIA has unveiled Lyra 2.0, a new framework that generates persistent, explorable 3D worlds from a single image.","nvidia-lyra-2-0-solves-spatial-forgetting-and-temporal-drift-in-generative-video","2026-04-20T19:05:53.000000Z","20.04.2026",{"title":47,"slug":48},{"image":105,"image_webp":106,"thumb":107,"thumb_webp":108},"https://cdn.quasa.io/images/news/Za28inhjfgkp2cMS3eCUHAQ3UP8dJncCvITAKe0G.jpg","https://cdn.quasa.io/images/news/Za28inhjfgkp2cMS3eCUHAQ3UP8dJncCvITAKe0G.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/Za28inhjfgkp2cMS3eCUHAQ3UP8dJncCvITAKe0G.jpg","https://cdn.quasa.io/thumbs/news-thumb/images/news/Za28inhjfgkp2cMS3eCUHAQ3UP8dJncCvITAKe0G.webp","small",2,false,{"title":113,"description":114,"slug":115,"created_at":116,"publish_at":117,"formatted_created_at":102,"category":118,"links":119,"view_type":109,"video_url":86,"views":124,"likes":88,"lang":89,"comments_count":88,"is_pinned":111},"GitHub’s AI Agent Tsunami: 275 Million Commits a Week, 14 Billion Projected for 2026 — And the Platform Is Starting to Crack","GitHub just hit numbers that would have sounded like science fiction twelve months ago.","github-s-ai-agent-tsunami-275-million-commits-a-week-14-billion-projected-for-2026-and-the-platform-is-starting-to-crack","2026-04-17T17:10:50.000000Z","2026-04-20T11:57:00.000000Z",{"title":58,"slug":63},{"image":120,"image_webp":121,"thumb":122,"thumb_webp":123},"https://cdn.quasa.io/images/news/XZTYmDGdaBEeRqB4Fv56AeOVoRtMa9PgoABzA3uj.jpg","https://cdn.quasa.io/images/news/XZTYmDGdaBEeRqB4Fv56AeOVoRtMa9PgoABzA3uj.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/XZTYmDGdaBEeRqB4Fv56AeOVoRtMa9PgoABzA3uj.jpg","https://cdn.quasa.io/thumbs/news-thumb/images/news/XZTYmDGdaBEeRqB4Fv56AeOVoRtMa9PgoABzA3uj.webp",44,{"title":126,"description":127,"slug":128,"created_at":129,"publish_at":130,"formatted_created_at":102,"category":131,"links":132,"view_type":109,"video_url":86,"views":137,"likes":88,"lang":89,"comments_count":88,"is_pinned":111},"Time’s Up for SaaS: Grow Faster or Disappear","The public markets have spoken — and the verdict is brutal. In early 2026, the software sector is in freefall. The Meritech Public SaaS Index has plunged 37% since the end of Q3 2025.","time-s-up-for-saas-grow-faster-or-disappear","2026-04-17T16:42:27.000000Z","2026-04-20T09:32:00.000000Z",{"title":31,"slug":32},{"image":133,"image_webp":134,"thumb":135,"thumb_webp":136},"https://cdn.quasa.io/images/news/Pgd6kFN0MEzRDCuMrQRslHnVu4QNjjMMfuhEgOWY.jpg","https://cdn.quasa.io/images/news/Pgd6kFN0MEzRDCuMrQRslHnVu4QNjjMMfuhEgOWY.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/Pgd6kFN0MEzRDCuMrQRslHnVu4QNjjMMfuhEgOWY.jpg","https://cdn.quasa.io/thumbs/news-thumb/images/news/Pgd6kFN0MEzRDCuMrQRslHnVu4QNjjMMfuhEgOWY.webp",56,{"title":139,"description":140,"slug":141,"created_at":142,"publish_at":143,"formatted_created_at":102,"category":144,"links":145,"view_type":109,"video_url":86,"views":150,"likes":88,"lang":89,"comments_count":88,"is_pinned":111},"Twitter Dev Builds “Stukach-Claw” — An AI Snitch Bot That’s Already Reported 4,250 People to the IRS for Tax Jokes","A crypto trader and developer known as @camolNFT has gone viral after revealing he built an autonomous AI agent called OpenClaw (affectionately dubbed Stukach-Claw by Russian-speaking users) that actively hunts for “jokes” about tax evasion on social media and automatically files whistleblower reports with the IRS.","twitter-dev-builds-stukach-claw-an-ai-snitch-bot-that-s-already-reported-4-250-people-to-the-irs-for-tax-jokes","2026-04-17T12:09:57.000000Z","2026-04-20T06:06:00.000000Z",{"title":19,"slug":20},{"image":146,"image_webp":147,"thumb":148,"thumb_webp":149},"https://cdn.quasa.io/images/news/Bknfo3h65dH5eqJ5coCdgVsAxMYJsDIOPyZplmaX.jpg","https://cdn.quasa.io/images/news/Bknfo3h65dH5eqJ5coCdgVsAxMYJsDIOPyZplmaX.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/Bknfo3h65dH5eqJ5coCdgVsAxMYJsDIOPyZplmaX.jpg","https://cdn.quasa.io/thumbs/news-thumb/images/news/Bknfo3h65dH5eqJ5coCdgVsAxMYJsDIOPyZplmaX.webp",74,{"title":152,"description":153,"slug":154,"created_at":155,"publish_at":156,"formatted_created_at":102,"category":157,"links":158,"view_type":109,"video_url":86,"views":163,"likes":88,"lang":89,"comments_count":88,"is_pinned":111},"Baidu Drops ERNIE-Image: A Compact 8B Open-Source Text-to-Image Model That Tops the Charts","Baidu has just released ERNIE-Image — a new open-weight text-to-image generator that is already turning heads in the AI community.","baidu-drops-ernie-image-a-compact-8b-open-source-text-to-image-model-that-tops-the-charts","2026-04-17T11:57:35.000000Z","2026-04-20T03:44:00.000000Z",{"title":47,"slug":48},{"image":159,"image_webp":160,"thumb":161,"thumb_webp":162},"https://cdn.quasa.io/images/news/1QiOJcmqi34aQvnRfCwi97GmGUD4JPEukbjf4csU.jpg","https://cdn.quasa.io/images/news/1QiOJcmqi34aQvnRfCwi97GmGUD4JPEukbjf4csU.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/1QiOJcmqi34aQvnRfCwi97GmGUD4JPEukbjf4csU.jpg","https://cdn.quasa.io/thumbs/news-thumb/images/news/1QiOJcmqi34aQvnRfCwi97GmGUD4JPEukbjf4csU.webp",88,[165,177,192,204,219],{"title":166,"description":167,"slug":168,"created_at":169,"publish_at":170,"formatted_created_at":171,"category":172,"links":173,"view_type":109,"video_url":86,"views":176,"likes":110,"lang":89,"comments_count":88,"is_pinned":111},"The Anatomy of an Entrepreneur","Entrepreneur is a French word that means an enterpriser. Enterprisers are people who undertake a business or enterprise with the chance of earning profits or suffering from loss.","the-anatomy-of-an-entrepreneur","2021-08-04T15:18:21.000000Z","2025-12-14T06:09:00.000000Z","14.12.2025",{"title":65,"slug":66},{"image":174,"image_webp":86,"thumb":175,"thumb_webp":175},"https://cdn.quasa.io/images/news/mVsXPTMuHZuI7UXCsENgL1Qwp1uSOf7Rz3uVPMfm.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/mVsXPTMuHZuI7UXCsENgL1Qwp1uSOf7Rz3uVPMfm.webp",70951,{"title":178,"description":179,"slug":180,"created_at":181,"publish_at":182,"formatted_created_at":183,"category":184,"links":185,"view_type":85,"video_url":86,"views":190,"likes":191,"lang":89,"comments_count":88,"is_pinned":111},"Advertising on QUASA","QUASA MEDIA is read by more than 400 thousand people a month. We offer to place your article, add a link or order the writing of an article for publication.","advertising-on-quasa","2022-07-06T07:33:02.000000Z","2025-12-15T17:33:02.000000Z","15.12.2025",{"title":58,"slug":63},{"image":186,"image_webp":187,"thumb":188,"thumb_webp":189},"https://cdn.quasa.io/images/news/45SvmdsTQbiyc3nxgbyHY1mpVbisYyub2BCHjqBL.jpg","https://cdn.quasa.io/images/news/45SvmdsTQbiyc3nxgbyHY1mpVbisYyub2BCHjqBL.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/45SvmdsTQbiyc3nxgbyHY1mpVbisYyub2BCHjqBL.jpg","https://cdn.quasa.io/thumbs/news-thumb/images/news/45SvmdsTQbiyc3nxgbyHY1mpVbisYyub2BCHjqBL.webp",70718,4,{"title":193,"description":194,"slug":195,"created_at":196,"publish_at":197,"formatted_created_at":198,"category":199,"links":200,"view_type":109,"video_url":86,"views":203,"likes":191,"lang":89,"comments_count":88,"is_pinned":111},"What is a Startup?","A startup is not a new company, not a tech company, nor a new tech company. You can be a new tech company, if your goal is not to grow high and fast; then, you are not a startup. ","what-is-a-startup","2021-08-04T12:05:17.000000Z","2025-12-17T13:02:00.000000Z","17.12.2025",{"title":65,"slug":66},{"image":201,"image_webp":86,"thumb":202,"thumb_webp":202},"https://cdn.quasa.io/images/news/EOsQhSW3VXyG7a6NPdE1oZd00xfJXe3bjY5aJGb7.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/EOsQhSW3VXyG7a6NPdE1oZd00xfJXe3bjY5aJGb7.webp",68346,{"title":205,"description":206,"slug":207,"created_at":208,"publish_at":209,"formatted_created_at":210,"category":211,"links":212,"view_type":109,"video_url":86,"views":217,"likes":110,"lang":89,"comments_count":218,"is_pinned":111},"Top 5 Tips to Make More Money as a Content Creator","Content creators are one of the most desired job titles right now. Who wouldn’t want to earn a living online?","top-5-tips-to-make-more-money-as-a-content-creator","2022-01-17T17:31:51.000000Z","2026-01-17T11:30:00.000000Z","17.01.2026",{"title":19,"slug":20},{"image":213,"image_webp":214,"thumb":215,"thumb_webp":216},"https://cdn.quasa.io/images/news/gP8kiumBPpJmQv6SMieXiX1tDetx43VwFfO1P4Ca.jpg","https://cdn.quasa.io/images/news/gP8kiumBPpJmQv6SMieXiX1tDetx43VwFfO1P4Ca.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/gP8kiumBPpJmQv6SMieXiX1tDetx43VwFfO1P4Ca.jpg","https://cdn.quasa.io/thumbs/news-thumb/images/news/gP8kiumBPpJmQv6SMieXiX1tDetx43VwFfO1P4Ca.webp",42313,1,{"title":220,"description":221,"slug":222,"created_at":223,"publish_at":224,"formatted_created_at":225,"category":226,"links":227,"view_type":85,"video_url":86,"views":232,"likes":110,"lang":89,"comments_count":88,"is_pinned":111},"8 Logo Design Tips for Small Businesses","Your logo tells the story of your business and the values you stand for.","8-logo-design-tips-for-small-businesses","2021-12-04T21:59:52.000000Z","2025-05-05T03:30:00.000000Z","05.05.2025",{"title":15,"slug":16},{"image":228,"image_webp":229,"thumb":230,"thumb_webp":231},"https://cdn.quasa.io/images/news/Wbx2NtS1CnTupgoQbpFMGspJ5jm4uob2hDOq33r0.jpg","https://cdn.quasa.io/images/news/Wbx2NtS1CnTupgoQbpFMGspJ5jm4uob2hDOq33r0.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/Wbx2NtS1CnTupgoQbpFMGspJ5jm4uob2hDOq33r0.jpg","https://cdn.quasa.io/thumbs/news-thumb/images/news/Wbx2NtS1CnTupgoQbpFMGspJ5jm4uob2hDOq33r0.webp",41405,[234,235,236,237,238,239,240,241,242,243,244,245,246],{"title":23,"slug":24},{"title":47,"slug":48},{"title":55,"slug":56},{"title":43,"slug":44},{"title":51,"slug":52},{"title":31,"slug":32},{"title":35,"slug":36},{"title":27,"slug":28},{"title":19,"slug":20},{"title":15,"slug":16},{"title":58,"slug":63},{"title":11,"slug":12},{"title":65,"slug":66}]