The reason why you don’t need Paipaidai when borrowing Baitiao with a credit card: Paipaidai has high interest rate. According to the survey, the interest rate of Paipai Dai is higher. The loan interest rate of Paipai Dai is 7-24. In addition to interest, you also need to pay some other fees. If the loan period of Paipaidai is less than 6 months, you need to pay a service fee of 2, and if it exceeds 6 months, you need to pay a service fee of 4. Jiebei does not charge any other fees except loan interest, and its loan interest rate is 7.3-22. Jiebei is a product that calculates interest on a daily basis, with the daily interest rate ranging from 1.5 to 60,000 points. Credit cards charge handling fees based on installment rates, and the standards for installment handling fees vary from bank to bank.