The submitting entity is different: Bai Hua's Chongqing Ant Consumer Finance Co., Ltd. is a licensed consumer finance company, and its credit information will be submitted to the central bank's credit information system. The credit card is a product issued by the bank and a symbol of personal credit. Its credit information is mainly submitted by the central bank.

Different sources of credit information: Bai Hua and credit cards have different sources of credit information. The credit information of Bai Hua mainly comes from its daily consumption behavior and repayment records, while the credit information of credit cards mainly comes from the application, use, repayment and overdue records of credit cards.