Question 1: Which credit card manager is better? 1. Positioning

First of all, KaNiu relies on SuiShouJi, and is more like a derivative product of SuiShouJi, including bills and the like. It can be directly imported into Suishouji for accounting. If you use Suishouji, it will definitely be more convenient for Ka Niu.

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. User experience

There is not much difference between the two, but the two softwares are not very smooth when importing mailbox bills. The first time they tried it, they were not successful. 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 followed 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.

Generally speaking, 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.

Question 2: Is 51 Credit Card Manager really safe? After reading many such questions, let me tell you.

The so-called credit card manager software, such as 51 Manager, Niu Card, etc., has the following functions: reminder of repayment date, bill collection (displaying history and current bill details, limit Remaining situation, etc.), analysis of bill consumption (statistics of data), repayment services, etc.

Principle: In addition to repayment services, several other functions are by-product services provided based on obtaining bill data. Information such as the latest payment date and available credit limit are all listed directly on the bill. Bill analysis is also some simple classification statistics based on the original bill data or the use of some statistical methods to provide new things.

Security issue: Bill acquisition is only imported through your bill receiving email address. This process is only related to your email address. All you need to provide is your email account and email login password, which is not involved. Your credit card password. This is similar to the POP client of the mailbox. If you are relatively confident about the POP function of the mailbox, then you can rest assured about this.

What needs to be explained separately is the repayment service.

The principle of repayment service is to use various existing methods - third-party payment, online banking transfer, quick payment combining third party and online banking, etc. These transfer payment methods are now widely used in all aspects of our lives. Safety issues are also taken seriously by all parties, and with everyone's efforts, safety should be guaranteed.

Therefore, I believe that technology and using these tools and software can provide convenience to our lives.

It should be noted that security is not simply the responsibility of the service provider. As users, our security awareness is the first priority. Improve our screening capabilities, raise awareness of safety precautions, and eliminate some hidden dangers caused by errors caused by personal reasons. Only in this way can safety be with us continuously.

Question 3: Is Kanniu Credit Card Manager safe? Is it useful? Kaniu Credit Card Manager is the only product in the credit card management APP category that has passed the dual heavyweight financial security certifications of CFCC (People's Bank of China Software Center) and CFCA (China Financial Certification Center).

CFCC (Software Research and Development Center of the People's Bank of China) is the earliest institution directly under the People's Bank of China approved by the State Council to engage in the construction of financial system informatization. It has long been responsible for many functions such as central bank information system development, security assessment, city-wide disaster backup, financial industry certification, financial standards and information research.

CFCA (China Financial Certification Center) is a national authoritative security certification agency approved by the People's Bank of China and the National Information Security Management Agency. It is one of the country's important financial information security infrastructures; it is China's Approved by the People's Bank of China, it is an authoritative security certification in the financial field.

Recommended for you to use.

Question 4: Is Kaniu Credit Card Manager safe? With Kaniu Credit Card Manager, you are importing bill flow and nothing else is involved, and all the imported data is retained locally on the phone. If you uninstall and reinstall The data will be cleared. Moreover, KaNiu can also check credit reports, apply for loans and credit cards, which is safe, convenient and easy to use.

Question 5: Is KaNiu Credit Card Manager safe? It's safe. Generally, this kind of software attaches great importance to security issues.

Question 6: Is Kanniu Credit Card Manager safe? Kaniu Credit Card Manager is currently the product with the highest security level among credit card management applications. I'm using it too.

Question 7: Is Kanniu Credit Card Manager safe? Kaniu Credit Card Manager is currently the product with the highest security level among credit card management applications. I'm using it too. Hope this helps!

Question 8: Is Kanniu Credit Card Manager safe? It’s not a scam, right? There are too many online scams nowadays, and I feel a little scared. Hello, please feel free to use it. KaNiu is an Internet financial management application that has passed the security certification of the Software Development Center of the People's Bank of China. Users' passwords are ultimately encrypted locally on the mobile phone. KaNiu only imports running water and does not involve others. Users are well protected. Just use your own mobile phone, so please feel free!

Question 9: Is it safe to apply for a credit card using Kanniu Credit Card Manager? All applications for credit cards through non-bank channels are not very safe and are prone to data leakage. When you want to apply for a credit card through other channels, you must have a certain understanding of the company, otherwise it is better not to apply to avoid being deceived or data leakage. Give way.

Question 10: Is it safe to apply for a credit card using 51 Credit Card Manager? Is 51 Credit Card Manager really safe? Let me introduce you to Southern Fortune Network.

Is it safe to enter passwords directly into third-party credit card management software? Recently, Mr. Yan downloaded a mobile software called "51 Credit Card Manager". After downloading, he found that if he wanted to use this software, he would either need to log in with the email address used to receive electronic bills, or use the username and password of online banking. . After investigation, it was found that this credit card "butler" was full of doubts. Although they claimed to have "signed service agreements with banks", many banks said that "there are still risks", and even the "security certification passed by the China Financial Certification Center" that they have always emphasized has not been recognized by the other party.

Follow-up question 1: Have you signed an agreement with the bank?

Bank: Unable to avoid risks

When opening this software, users have two login methods: online banking login and email login. In order not to reveal his bank card number and online banking password, Mr. Yan used email to log in. But he found that once he logged in via email, the software could automatically import electronic bills. He has always been very careful about his personal information and is a little worried: It doesn't matter if his mailbox is stolen, but what if his personal information such as bills is leaked?

A "User Agreement" in the software shows that this software is actually a self-developed software by Hangzhou Enniu Network Technology Co., Ltd., which is used to organize and collect bank card information under registered accounts. Important documents. At the same time, the company's website states that as of July 2014, the cumulative downloads of the APP have exceeded 30 million, and the number of credit cards managed has exceeded 16 million.

Since it is just a company’s self-developed software, is it safe to enter your bank card number and online banking password into its software, or even have it automatically import electronic bills?

"It's very safe, otherwise there wouldn't be so many people using it!" A staff member of this company answered happily as to whether the software was risky. Although the user is required to use an online banking account and password, the software is just a third-party interface and cannot see the user's information at all. At the same time, the company has signed a service agreement with the relevant bank, "it is allowed by the bank and the security is very high."

However, this question has a very different answer on the bank side. In "51 Credit Card Manager", it supports the use of ICBC's online banking login.

"There is no information in this regard, and it has not been found in the system." said a staff member of the Industrial and Commercial Bank of China. Similarly, Bank of China, Agricultural Bank of China, China Construction Bank and many other banks that support online banking login in this software have stated that they "have not been notified of signing an agreement with this software." Since risks cannot be avoided, these banks advise users "not to disclose their online banking passwords to third-party software vendors outside the official website."

Question 2: Can I check my personal credit record?

Credit Report Center: It is recommended not to use it

Open "51 Credit Card Manager", click "Credit Report" in "Services", and then enter your name and ID number to complete the account By registering, you can check your credit record. This feature seems very attractive. However, is this record reliable? Can the personal information found be protected by this "butler"?

Information from the official website of the Credit Information Center of the People's Bank of China shows that there are currently two inquiry methods supported for credit record inquiries: first, more than 2,100 branches of the People's Bank of China across the country can inquire on-site; Secondly, at the end of May this year, 18 provinces (municipalities and autonomous regions) including Beijing have been included in the pilot program, and you can inquire on the service platform of the official website of the Credit Information Center.

"Currently, the Credit Information Center does not have any third-party inquiry methods such as mobile software." A staff member of the Credit Information Center of the People's Bank of China said that inquiry on third-party platforms is inevitably risky. "It is not recommended for users to use . ”

Question 3: Passed CFCA safety certification?

CFCA: ??Only cooperation but no certification

"We are certified by the China Financial Certification Center, so feel free to use it." In order to dispel suspicion, the staff of the software development company moved out of the company certification body. The company's official website also states that the company has passed the security certification of the China Financial Certification Center and has reached a server hosting agreement with the China Financial Certification Center to serve users with bank-level information security.

However, this statement was denied by the China Financial Certification Center. "We did cooperate with '51 Credit Card Manager' earlier, but we did not conduct any certification on this product." A staff member of the China Financial Certification Center said. Not only that, when asked to produce the relevant agreements and certifications signed with the bank, the relevant person in charge never produced them.

In the eyes of industry insiders, this self-proclaimed "butler" of security is full of doubts, and credit card users should treat it with caution... >>