1. Positioning

First of all, KaNiu relies on SuiShouJi and is more like a derivative of SuiShouJi. Bills and the like can be directly imported into SuiShouJi. For accounting, if you use Shuiji, Ka Niu will definitely be more convenient.

51 Credit Card Manager is more focused on credit cards. You can apply for a credit card directly within the app. Promotions and other promotions can be seen within the app, and there is also a function to display credit card consumption in charts. But I personally feel there are too many ads.

2. Usage experience

There is not much difference between the two, but the two software are not very smooth when importing mailbox bills. The first time I tried it, I failed. Reading is not a big problem. In addition, according to my observation, KaNiu seems to be faster at reading mailbox bills, but this is a personal feeling and has not been verified.

In addition, I follow the official Weibo of the two companies. Personally, I feel that Ka Niu is more professional. The Weibo posts are all about credit cards, financial management, etc. I don’t know that 51 Credit Card is there every day. What's going on? I post some chicken soup articles all day long, about emotional realizations and the like.

In general, if you just want to know the repayment time, bills, etc., I recommend Ka Niu. If you want to know more discount information, then go to 51.