What credit card repayment software is better?

There are the following credit card repayment softwares:

1. 51 Credit Card Manager

As early as May 212, 51 Credit Card was established, and the "51 Credit Card Manager" APP was pioneered to help users intelligently manage credit card bills with one click, managing over 3% of active credit card bills in China.

This software can not only realize the automatic import of mail bills and query bills at any time, but also set credit card repayment reminders and provide one-click repayment operation. It also supports mainstream repayment channels such as 51 Pinbao and Alipay.

2. Kaniu Credit Card Manager

Kaniu Credit Card Manager is a professional software for managing credit card limits. It supports the full-automatic SMS bookkeeping function of 178 banks including China Merchants Bank, China Construction Bank, China Bank, Agricultural Bank, Industrial and Commercial Bank, Minsheng Bank, Ping An Bank, Industrial Bank, Bank of Communications, China Everbright Bank, China CITIC Bank, Huaxia Bank and Postal Savings Bank, and supports about 2 in 5 banks.

in addition, you can also manage real-life cards and set repayment reminders.

3. Wealth-digging credit card manager

Users can manage their credit cards through the binding of multiple mailboxes, supporting four major state-owned banks and nearly 2 banks including China Everbright, Guangfa, Shanghai Pudong Development Bank and Xingye, and supporting multi-national currencies.

after the email is bound, the consumption information of personal credit cards will be automatically entered for intelligent data analysis, and the data such as the minimum monthly repayment amount and interest-free period will be calculated according to the situation of each bank, and the details such as repayment, minimum repayment, interest-free period and bill of each credit card will be presented in the application. Moreover, the software will also make a push reminder of repayment 3 days before the repayment date and on the same day.

product analysis of Kaniu Credit Card Manager

Preface

In my opinion, a good product needs to identify its target users first, and try every means to solve the needs and pain points of this group of users; Secondly, we must ensure the experience and stability of products; Thirdly, users and products should be+++by various operational means according to the attributes of products (such as social products, tool products, etc.) and product stages (such as exploration period and rapid growth period, etc.), which is actually what the saying goes. Of course, products can't be divorced from the essence of business. The above is to lay a good foundation for the ultimate goal of profit.

recently, the author came into contact with the card cow credit card management APP in learning financial management knowledge, which brought me a lot of convenience in credit card management. Let's make a simple analysis of the card cow.

1 user analysis

1.1 target users

The author has compiled some data about credit card users:

Generally speaking, cash credit cards are used frequently, and the cardholders are mainly 25-35 years old, and their income is about 5,-12,, so there is a strong demand for shopping and financial management.

1.2 user needs

Credit cards are almost the standard of the main consumers at present, but once the credit cards are overdue or maliciously delayed, the above-mentioned bad records of the credit card holders will also affect personal credit records. At this time, users are in urgent need of a product that can provide the reminder service of credit card due repayment and the function of viewing consumption records. In the past, some credit card APP products with simple functions on the market simply analyzed the bank's mail monthly bill, which was not only convenient to check, but also did not solve the core problem that troubled credit card users, "timely grasp the accurate amount of credit card swiped and reasonably control consumption".

2 product analysis

2.1 product positioning

1) accurate positioning: solving users' pain points

When users swipe a credit card, they will receive a short message from the bank, analyze and sort these short messages in time, dynamically reflect the summary data of users' credit card consumption, and avoid the lag of credit card monthly bills, which can effectively solve the pain points that have plagued credit card users for many years. Ka Niu firmly grasped this pain point of users and launched an automated credit card management tool.

Up to now, Ka Niu has successively supported more than 1, SMS templates from 178 banks. Each bank card account is designed as a simulated card, which intuitively displays the main information dimensions of credit cards, making users as friendly as managing bank cards in wallets.

2) demand expansion: from card management to wealth management and consumption

from the survey data collected earlier, it is found that credit card users have a particularly strong demand for shopping and wealth management. Today, with the development of Ka Niu, under the premise of ensuring to solve the main pain points of users, the products have gradually expanded to the fields of wealth management, shopping activities and information.

2.2 product design

From the scope of Kaniu products, Kaniu puts the most important information on the home page-credit card consumption information and repayment reminder, which enables users to pay attention to their most concerned issues as soon as they enter the APP. Asset Tab is also related to the consumption of credit cards, and financial analysis function is added, so that users can know their consumption well.

in addition, in the setting of the structural layer, Ka Niu puts the card god and the loan in the Tab at the bottom of the APP, which shows that the product is gradually expanding into financial management-related fields, and meets the needs of users for financial management by combining different scenarios.

3 Comparative analysis and suggestions on the main functions of competing products

According to various data of wealth management apps, the most fierce competitor with Ka Niu is the 51 credit card housekeeper. In the following, the author makes a detailed analysis of the main functions of the two credit card management giants, Ka Niu Credit Card Manager and 51 Credit Card Manager (due to the huge functions of the products, only the following functions are analyzed):

3.1 Application main interface

Ka Niu

Ka Niu

51

1) Page design and user experience

Ka Niu manages multiple card accounts on the home page, which can be manipulated. Card cow can set DIY background picture, and the card is modeled after the design of real wallet, and the experience is more humanized.

51 The design of the credit card is flat, without too much animation effect, and the style is simple.

2) Important information display:

Ka Niu displays information on the card: billing time, balance, interest-free days, repayment button

51 displays information on the card: billing time, balance, maturity prompt, repayment status

3) Personal suggestion

ü Ka Niu has done a relatively good job in user experience and can display information.

ü In addition, in terms of novice guidance, neither Ka Niu nor 51 has good novice guidance instructions and related course descriptions, which greatly increases the learning cost of novice users.

3.2 bill import and analysis

1) bill import

51 credit card housekeeper has fully supported the analysis of bills of 36 banks, while Ka Niu supports about 1 kinds of SMS templates of 178 banks and about 2 kinds of bill templates of 5 banks, which has no small advantage compared with 51.

the other 51 is slow to import credit card information. In terms of bill analysis speed, Ka Niu is said to have dual analysis engine technology, which can quickly analyze and intelligently classify 97.8% of credit card monthly bill emails nationwide.

2) bill analysis

51

card cow

51 bill data includes bill cycle, daily bill status, interest-free period of credit card, card balance, etc., and the consumption flow is distinguished by different icons. Card cow can display the outstanding bill, remaining amount, total consumption, billing date, interest-free period, consumption flow, etc. on each card, with the revenue flow number in red and the expenditure in green.

3) Personal suggestion

The design of the bill flow module page of Ka Niu is rather bloated, so you can simply classify the information without displaying the specific information content. In addition, the whole month's running water is put together directly, which is poor in readability. It is suggested that it can be displayed in weeks or days. In addition, the monthly running water statistics are really the total income and total expenditure, and more importantly, users get consumption information.

3.3 repayment date reminder function

51

card cow

The repayment function reminder is one of the most important functions in credit card management. Card cow's repayment reminder function has a repayment reminder setting switch, which can be set to a certain time point on a specific date, and can also customize the repayment prompt tone, which is more user-friendly. And the setting of 51 is slightly rough.

Personal suggestion:

There is no doubt about the importance of the repayment function reminder function, but both Ka Niu and 51 hide the function settings very deeply! If you want to set the repayment reminder in the card cow product, you need to go through my setting message notification setting management reminder 4 steps! And 51 also needs to go through my three steps of setting up management reminders! Many users may not even know that this feature exists. Personal suggestions can be added to the homepage or calendar to add reminders.

3.4 financial analysis

card cow

card cow

card cow

card cow's chart analysis entry is located in the upper right corner of the asset page, and the icon is difficult to identify. The first page of financial analysis is the comparison of income and expenditure curves and the tree diagram of consumption this month, which allows users to understand the income and expenditure situation and consumption structure very intuitively. After clicking on this month's consumption, there are pie charts and bar charts to break down the consumption structure in detail. However, the display of pie chart is not very intuitive, and users need to turn the turntable manually to view the proportion of each consumption.

the chart of 51 credit card manager is relatively small, and the function entry is placed in the analysis of my set report. The consumption classification needs to be manually clicked, and the figures on the icon are slightly blurred.

3.5 Credit card community

Because 51 credit card manager does not clearly divide the community sector, the author only talks about his own views on the community in Ka Niu.

As long as the community in Kaniu Credit Card Manager contains the following contents:

The classification of Kaniu community contents is confusing, and both credit card-related knowledge and financial management or loan-related knowledge are directly listed horizontally in the tab at the top of the screen, and the credit card-related knowledge is expanded with multiple options. In addition, there is no fixed entrance to the preferential activities, and they are all directly inserted into the more prominent positions on each page.

I personally suggest sorting out the information display:

1) sorting out and classifying the community content

2) highlighting the preferential activities and task modules

4 Summary

Kaniu can support the analysis of more than 2 kinds of mail bills from more than 5 banks, and it is a credit card management APP with the widest cooperation with banks and the strongest ability to analyze mail bills. In addition, Ka Niu has used the exclusive dual-engine analysis technology of similar products, and has absolute strength in bill analysis.

the author believes that there are still some details to be improved in the product basic function module, such as novice guidance and education, bill flow display and so on. There is a lot of room for development and improvement in the expansion demand of products, and Ka Niu can increase investment in this area and promote the automation of more financial management scenarios.

is kaniu credit card housekeeper safe?

see how to understand this "security". Let others manage their own accounts, although they can't manage the income and expenditure, but they know the details of the user's card.

"Kaniu Credit Card Manager" is another star product launched by Shunshou Technology after "Notes on the Hand". As the industry's first APP product to manage bank cards automatically, Kaniu Credit Card Manager allows users to manage their bank cards most conveniently by automatically analyzing bank messages and importing mail bills with one click, and daily bills are delivered fresh.

Is it safe for Kaniu credit card housekeeper? It's not a lie. There are too many online scams now, and I'm a little scared.

safe. Card cow has led the trend of the times, created many new functions, and is more convenient to use. Kaniu is the only credit card management application that can "check the progress of card processing" at present, and Kaniu Credit Card Manager is also the only credit card management app that can manage bills.

Up to now, there has not been any major flaw in Kaniu Credit Card Manager. In the news, most of them praise its security, and there is not much about the information leaked by the credit card manager of Canon, so it is basically reliable.

Extended information

1. Ka Niu exclusively supports SMS analysis of 178 banks, leading the industry!

China Merchants Bank, China Construction Bank, China Bank, Agricultural Bank, Industrial and Commercial Bank, Minsheng Bank, Ping An Bank, Industrial Bank, Bank of Communications, China Everbright Bank, China CITIC Bank, Huaxia Bank, Postal Savings Bank, etc. support the full-automatic SMS bookkeeping function of 178 banks, and support about 2 kinds of bill templates of 5 banks, which is in a leading position in the industry.

2. Quickly handle the card anytime, anywhere

Support several banks such as Guangfa, Ping An and Shanghai Pudong Development Bank to handle the card online. There are hundreds of cities that support card processing, and hundreds of credit cards can be selected at will. 1 Wan Chao has a high quota, and you can get the card in one day at the earliest, and the preferential activities are wave after wave.

how does the card manager delete the unused credit card

The card manager deletes the unused credit card:

1. Turn on the phone, find the card manager and click Open.

2. Click My in the lower right corner to enter my page.

3. click "not logged in" to enter the account login page.

4. Enter your mobile phone number and verification code to log in.

5. After logging in successfully, click on my bank card on the page.

6. Select the bank card to be deleted.

7. click delete.

8. confirm to delete the credit card and click delete.

That's enough for the introduction of Niuka Credit Card Manager.