Huabei and Everbright Credit Purchase differ in the following aspects:

1. Different issuing institutions: Huabei is a consumer credit product launched by Alipay, while Everbright Credit Purchase is a consumer credit product launched by Everbright Credit card installment service launched by the bank.

2. Different usage scenarios: Huabei is mainly used for online consumption, such as shopping, Alipay transfers, etc., while Everbright Credit Purchase is mainly suitable for offline consumption, such as consumption in shopping malls, supermarkets and other physical stores.

3. Different repayment methods: Huabei’s repayment method is automatic deduction, and users do not need to manually repay, while Everbright Credit Purchase’s repayment method is credit card installments, which requires users to pay within the specified time. Manual repayment.

4. Different transparency: Huabei’s repayment interest rates and fees are relatively transparent. Users can clearly view the relevant fees when borrowing and know the interest required to pay for the loan. The fees for Everbright credit purchases are more complicated. Users need to calculate different fees based on different installment numbers, and the fee structure is relatively complex.

5. Different limit controls: Huabei’s limit control is relatively loose. Users can increase the limit based on their own credit rating and increase Huabei’s available limit through good credit records and stable sources of income. However, Everbright's credit purchase limit control is relatively strict. Users need to have a certain credit record and a stable source of income to obtain a higher credit purchase limit.

Can I overdraft cash with Everbright Credit Card?

Users can use China Everbright Bank credit cards to make overdraft withdrawals at China Everbright Bank branch counters, automated teller machines (ATMs), and automatic teller machines (ATMs) of other banks with the same logo as the card. Users need to enter the transaction password to withdraw local currency.