1, the application threshold is different. The application threshold for flower beds is relatively low, and there is also a high temporary quota; The credit card application amount is high, and the use amount for specific people is not very high.
2. At present, Huayuan has no docking credit information system, but credit cards have been docked with the central bank's credit information. Once overdue, it will produce a bad credit record.
3. The required procedures are different. Flower buds don't need any handling fees except installment repayment, but credit cards need to pay annual fees or management fees.