With the opening of people's consumption concept, it is very normal to consume in advance. For example, Ant Flower Blossom and JD.COM White Stripe are commonly used credit loan software. Of course, using a credit card is also a way. So, is it more cost-effective to use a credit card or a consumer loan software? Today, I have compared three ways of handling credit cards, namely, Ant Flower Flower, JD.COM White Flower and so on, so that we can learn about them and choose a more cost-effective way of consumption. JD.COM White Bar Competition for Opening the Threshold: You need to be a silver member, and you need to bind a bank card, which is relatively small. Ant Flower Bud: Real-name authentication is required, and the sesame credit score must reach 6 or above before there will be ant flower buds. Credit card application: Credit card application is relatively high, which requires good credit, stable work income and other conditions. The advantage is that the amount is high.

installment rate competition first of all, for the convenience of calculation, we assume that the amount to be installment is exactly 1, yuan, which is divided into 6 installments and 12 installments respectively.

JD.COM IOUs: The installment rate of JD.COM IOUs is not so simple. It is said that each installment is actually directly related to the installment time, with the repayment of RMB 1,717 per installment and RMB 6% per installment.

ant flower buds: the installment rate of ant flower buds is relatively transparent, with 6 installments of RMB yuan for each installment and 12 installments of RMB yuan for each installment.

handling credit cards: the rate of credit cards varies from bank to bank. Take China Construction Bank as an example. For the 6th installment, RMB is required to be repaid, and for the 12th installment, RMB is required to be repaid. Of course, credit cards can be exchanged for prizes on some festivals or anniversaries and related preferential activities. Simply from the opening threshold and the installment rate, the three have their own advantages. If you have excellent qualifications and want to obtain a higher credit limit, it may be a more convenient choice to apply for a credit card. And if you don't ask too much for the quota and the third party has excellent credit information, the ant flower garden is also very good, and you can enjoy an interest-free period of up to 56 days. As for JD.COM IOUs, the advantage is that the expected annualized interest rate is the lowest, and the repayment pressure of borrowers is relatively less great.