The difference between credit card and flower garden: 1, and the threshold of flower garden is lower than that of credit card when applying; 2. Some users of Huayuan have not been connected to the credit information system, and all credit cards have been connected; 3. After use, you can use installment repayment, but the installment interest rate is different. In addition, Huayuan provides deferred repayment, which is not supported by credit cards. 4. There are certain differences in the scope of use.
Credit cards and flower buds must be repaid on time after use, and there can be no overdue repayment, because there will be penalty interest for overdue repayment, and the longer the time, the more penalty interest. And it will be collected after the deadline. The common collection method is to call the borrower and keep urging the user to return it.
When the flower bud was first opened, the billing date given by the system was 1 per month, and the repayment date was 9 or 10 per month (whichever is displayed). Users can apply to change the repayment date to 15 or 20 and the billing date to 5 or 10 after using the flower bud for one year.
The billing date and repayment date of a credit card can be adjusted according to your actual situation. There is no time limit, but the number of adjustments can be limited every year. Different banks have different regulations. In order to avoid overdue repayment by using credit cards or flowers, you should measure your repayment ability when using them and know what kind of income to return.
Version information: Take Alipay 10.2.60.8000 version, Apple13 (iOS15.4.1system) and Huawei mate40(HarmonyOS2 system) as examples.
Which is better, ant flowers or credit cards? You can tell at a glance.
Since Alipay Ant Flower Garden, the mode of "online consumption first, then repayment" has been favored by many online shopping users. The consumption concepts of ant flower buds and credit cards are similar, so many netizens will struggle with which one is more suitable for them when choosing consumption methods. Let's analyze which is better, ant flowers or credit cards.
1, application threshold: low ant flower bud
The applicant's credit record and income level must meet the requirements of the bank to apply for a card, and the applicant may successfully apply for a credit card. Therefore, there is still a certain application threshold for credit cards, and not everyone can apply for credit cards.
The application threshold of ant flower buds is not as high as that of credit cards. You don't need to take the initiative to apply for ant flower beds. As long as your Alipay usage record is good, Alibaba will automatically provide you with a certain amount of ant flower beds, and you don't need to provide proof of credit history and income level.
2. Consumption limit: high credit card.
There is no upper limit on the amount of credit cards. The applicant's credit record and income are different, and the amount is also different. The average person's credit card limit is 5000 to 50000.
The maximum amount of ant flower buds is only 50,000, and the average person's amount is 1000 to 5000. Therefore, from the point of view of the quota, credit cards are obviously much higher than ant flowers.
3, installment fee: low credit card.
Credit cards can generally be divided into three periods, six periods, nine periods, 12 period, 18 period and 24 periods, with slight differences among different banks. The cardholder's credit card installment times are different, and the installment fee is also different, but it is generally within the scope.
Ant flower buds can be divided into 3, 6, 9, 12 periods, and the fees are different in different periods. It is divided into three periods, the fee is divided into six periods, the fee is divided into nine periods, the fee is divided into 12 periods, and the fee is total. Therefore, judging from the installment fee of ant flower buds and credit cards, ant flower buds are significantly higher than credit cards.
4. Interest-free period: long credit card.
The longest interest-free period of a credit card is 60 days, but it is generally 20 days. The repayment date of ant flower buds is fixed on the 9th of each month, so the longest interest-free period of ant flower buds is 40 days, and the shortest is 10 days.
5, the scope of use: credit card wide
Ant flower buds are suitable for online consumption. Although it can be used in some offline places, its offline consumption range is not wide. After the bank Taobao co-branded credit card, credit cards are widely used not only for offline consumption, but also for online consumption. Therefore, from the scope of use, credit cards are wider than ant flowers.
6. Withdrawal: Credit cards can withdraw cash, but ant flowers can't.
The withdrawal amount of a credit card is a certain proportion of the credit card amount, generally 50%. Ant flower buds can't withdraw cash, and you can't pay the phone bill online with ant flower buds.
From the comprehensive comparison of the above ant flower buds and credit cards, credit cards are obviously superior to ant flower buds. However, if you only make small online consumption in advance, you can use ant flower buds, because ant flower buds do not need to apply. From this point of view, it is more convenient for ants to spend money than for credit cards. In short, it is suggested that card friends choose the appropriate overdraft consumption mode according to their own consumption needs.
What is the difference between flowers and credit cards?
The difference between a credit card and a flower bed is mainly reflected in the following aspects:
1. credit limit: the credit card limit is much larger than that in Bai Hua. The lowest is 0 yuan credit card, and the highest is unlimited credit card. Bai Hua's quota is mainly between 50,000 yuan and 50,000 yuan.
2. Types: Every bank issues credit cards, and the types of credit cards issued by the same bank are also diverse, covering all aspects of life and dazzling. Flower buds are relatively simple, only ant flowers.
3. Scope of use: Credit cards can be used almost anywhere, such as Alipay, WeChat, China UnionPay Express, all kinds of mobile payment, online card-free payment, offline card swiping, etc. , can be used at home and abroad; Flower buds are mainly used in Alipay, and the scope of use is very limited.
4. Interest-free period: The longest interest-free period of a credit card can be as long as 56 days. For example, the Bank of Communications credit card can be consumed on the second day of the billing date, and the interest-free period can be as long as 56 days. The longest interest-free period of Huabai is only 40 days. I spent it this month, so I must return it next month.
Credit card, also called debit card, is a credit certificate issued by commercial banks or credit card companies to qualified consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
Second, the credit card stipulated in the relevant laws of China (Interpretation of the Provisions of the NPC Standing Committee on Credit Cards) refers to an electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. _20 17 12 1, The Standard for English Translation and Writing in Public Service Field was formally implemented.
3. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when spending, and it will be repaid on the billing day.
4. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay; Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
The introduction of flowers and credit cards, flowers and credit cards, which is cost-effective, ends here. I wonder if you found the information you need from it?