Higher interest rate: The interest rate of credit card loans vary widely depending on the credit profile of the card holder. However, it has been observed that the credit card loan interest rates are usually a notch higher than personal loans interest rates offered by the same issuer to the same card holder. Similarly, the credit card loan interest rates are usually higher than the interest rates of secured loan options with no end-usage restrictions like gold loans, top-up home loans, etc offered to credit card holders by their card issuers. This is because lenders have lower credit risk in case of secured loans due to the availability of adequate collateral.