Moreover, in order to make people spend better, merchants have racked their brains and invented flower beds and credit cards to let you advance money to spend the goods here. Then, someone asked, can credit cards be refunded? Which is better, a credit card or a flower shop?
Can I return the flowers with my credit card?
I can't.
Although Alipay has the function of credit card repayment, it can't overdraw the credit card with ant flower buds. Alipay can only use the balance, balance treasure and bank card to pay credit card repayment quickly, and there is a limit, so it cannot be overdrawn.
Express savings card can deduct up to 50,000 yuan, Yu 'ebao can deduct up to 50,000 yuan, and the balance payment is not limited. The balance of the account or bank card is insufficient, and the repayment fails.
According to the service rules of Ant Flower Garden, the repayment of Ant Flower Garden is limited to non-credit funds such as Alipay account balance, debit card account balance and Yu 'ebao wealth management product share.
What's more, Huabai itself belongs to a virtual credit card. Overdraft every month, pay it back next month, and you can pay it back in stages, which is equivalent to paying a credit card with a credit card. It is definitely unacceptable. So ant flower bud is another credit card specially used for online shopping. As for credit card repayment, don't count on it.
In terms of online consumption experience,
1, the threshold for flowering is low, and you don't need to fill out forms, review and face-to-face interviews like credit cards, but anyone with a certain amount of online shopping traffic can blossom;
2. Credit cards are physical cards. Once there are a large number of cards, and they are not properly managed, they will face the risk of credit card fraud and theft; The management of flower beds is simpler and more convenient;
3. It is difficult to withdraw cash from credit cards, but it is easier to withdraw cash from flower beds, especially to catch up with activities such as double 1 1, 6 18 and Christmas promotion. Flower buds even take the initiative to raise the amount for you without your consent;
However, spending money has many advantages, but you still need to get a credit card.
Flowers are good, but the consumption scene is still not as good as credit cards.
Is it better to spend money or swipe your card?
The crux of the matter is, how big is your demand for overdraft consumption scenarios? Flower buds are mainly used for Taobao shopping and online consumption.
Although mainstream consumer platforms such as Meituan, Public Comment and Hungry currently support flower beds, many offline businesses can also pay with flower beds.
However, the use of credit cards is still wider than spending. After you bind the credit card to Alipay, you can pay with the flower garden, and theoretically you can pay with the credit card;
And some merchants without docking flower beds, such as some restaurants and cinemas, can often accept credit cards, as long as a pos machine is installed in the store.
Especially traveling abroad, whether to romantic Turkey, Tokyo or Paris; Whether I go to Miami, where I like it very much, or Los Angeles, where there are black people, I can buy, brush and spend money at buy buy with my credit card, but definitely not.
Credit cards have value-added services, but not in Bai Hua.
This is another difference between credit cards and flowers.
After all, there is an annual fee for credit cards. Since the annual fee is charged, how can we give cardholders some benefits?
(Of course, if you swipe your card enough times, you can avoid the annual fee. ) The most typical is the points earned by credit card, which can be exchanged for air miles, suitcases, daily necessities and so on.
Many credit cards have different benefits themselves. For example, XX airline co-branded card, buy air tickets at a discount; XX food card, restaurant consumption discount; XX movie card, there is a discount for buying movie tickets. .....
This kind of value-added service is not available in Bai Hua. Although many value-added services are not used by our cardholders. ......
Credit card is a symbol of personal credit.
Friends who have car rental experience must know that most offline car rental companies must require car renters to hold credit cards to use their cars.
This also shows from the side that credit card is a symbol of personal credit.
If you don't have a credit card, the People's Bank of China is probably a "white household".
Doing credit and mortgage in the future may face the disadvantages of low quota and high interest rate.
There are several credit cards in a person's name, and the amount is high. They are used normally and have no overdue records-such a credit report is undoubtedly the best embodiment of personal strength.
Final tip:
Some friends think that the interest-free period of flower buds is only one month, which is a misunderstanding.
According to the rules of Bai Hua, most transactions will not be billed until 1 next month after payment is "confirmed", and the repayment date every month thereafter will be 9 (or 10).
When you are not at home, I dare not let you choose which way. These two ways are both ways of consumption in advance, or they are both based on rationality. You should start spending on the basis that you can bear, and don't confuse your reason because of consumption.