1, application threshold, above the application threshold, the overall garden is relatively simple, as long as the customer qualification is not very poor, it is not difficult to obtain the garden. As a bank product, Bao Credit Card needs to have a stable job, and it must meet the requirements in terms of age, credit information and liabilities, and the application threshold is relatively high.
2. Annual fee. There is no annual fee for opening the flower garden. No matter whether the customer uses the flower garden quota or not, the system will not charge the customer, but Bao Credit Card has an annual fee. If the consumption does not meet the requirements, some annual fees will be generated.
3. Interest-free period: Bai Hua and Jubao credit cards have interest-free periods for a period of time, so repayment during the interest-free period will not generate other expenses, but the interest-free period in Bai Hua is shorter than that of Jubao credit card, Bai Hua is 40 days, and Jubao credit card can be more than 50 days. When repayment is under pressure, Bao Credit Card can provide more installment options.
4. Whether there is a consumption point or not, when the flower garden is consumed, some rights and interests are mainly reduced. In addition to full reduction, Bao credit card also has a points system, and the points accumulated by customers can be exchanged for physical goods or airline miles.
5, the diversity of activities, spend less, just like their own rights and interests focus on simple reduction, full reduction. Activities include banking activities and card organization activities, cash back of credit cards in banking activities, weekly credit cards, monthly credit cards and so on. On some special occasions, banks will also issue some coupons, and cherishing credit cards is stronger in the diversity of activities.
Generally speaking, Bao credit card is better than Hua Bai, but customers can apply according to their own needs. Ant Bao credit card can be used not only on Taobao Tmall, but also for payment selection and automatic points like ordinary credit cards.