Which describes the difference between a personal loan and a credit card

I believe the answer is: Personal loans offer lump sums of money, while credit cards set a maximum amount a person can borrow

In personal loan, the amount of loan and interest rate that the borrower have to pay would stay the same regardless if that borrower use the money or not.

In Credit card, the borrower only required to pay the amount that they use plus interest rate.

A personal loan is for a fixed amount, with some form of collateral, like a house or car. A credit card is also for a set amount, but no collateral.