New Delhi, June 8 -- Are you a regular credit card user? Have you ever used a credit card loan? Do you understand the entire process of availing and repaying a credit card loan? Here, we discuss credit card loans in detail, so that individuals who aspire to obtain a credit line in the future can make an easier decision.

A credit card loan is a pre-approved loan facility offered by credit card issuers to eligible cardholders. The loan amount is determined by the cardholder's available credit limit, current credit score, credit profile integrity and repayment capacity.

A credit card loan is different from general credit card spending. This is a loan that provides a lump sum amount, repaid through fixed EMIs over a specified tenure. As a c...