The credit card quota is given by the bank based on the evaluation of the user's credit qualification conditions, while the flower quota is given by Alipay system based on the evaluation of the user's Alipay account. The difference between them lies in the evaluation system, and the amounts are independent of each other.
Flower Garden is a payment method of "consumption first, then repayment" introduced by Alipay, which can not be withdrawn or transferred, and can be repaid by extension, installment and minimum amount. Credit card is an overdraft financial instrument issued by a bank with a physical card. It can be withdrawn, but it cannot be withdrawn, and it can be repaid in installments with a minimum amount.