Yongkaniu APP: The company is headquartered in Shenzhen. The largest shareholder at the start-up is Xu Shaochun, CEO of Kingdee. Team CEO Gu Feng also comes from Kingdee. Kingdee has a high reputation in the domestic software industry. It has created a hot financial management software Selling for many years.

Wacai Credit Card Manager: The company is headquartered in Hangzhou. The founder and CEO of the team, Li Zhiguo, has been in and out of Alibaba twice. He is one of the well-known angel investors in the Internet industry. "Wacai" is his first venture. Mobile Internet financial service projects.

51 Credit Card Manager: The company is headquartered in Hangzhou. Sun Haitao, the founder and CEO of the team, has built Internet projects such as E-city, Fangtu.com, and Renfangbao, and is one of the well-known investors in the Internet industry.

(Operating environment: Kanniu APP, Wacai Credit Card Manager APP, 51 Credit Card Manager, mobile phone: Xiaomi 10MIUI12.5)

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1. Card Niu: It has a password protection function. You can use a set pattern or enter a password to unlock it. However, KaNiu does not have a clear account system. All information is bound to the mobile phone number. Once the phone is lost, it will be difficult to retrieve the account. . Wacai Credit Card Manager: It has a password protection function and an independent account system. Users first need to register an account to use the management function. Even if the phone is lost, data can be easily retrieved as long as you remember the registered account. 51 Credit Card Manager: It has an independent account system. If you want to use the management function, you need to register first. In this way, even if your phone is lost, you can retrieve your account if you remember the registered information.

2. KaNiu: KaNiu's bill management function is relatively complex. There are many usage tags in the bill, including flow, classification, map and phone number. Through various tags, users can have a good understanding of monthly consumption, and can also query detailed consumption content through tags, which is very functional. Wacai Credit Card Manager: Wacai's bill management function not only allows you to see the credit card's repayment date, interest-free period, debt amount, minimum repayment amount, bill date and other information, it also supports one-click repayment function. However, Wacai provides relatively little billing information, and there is no automatic statistics and classification. 51 Credit Card Bill: The bill management function provided by 51 Credit Card Manager is also relatively complex. Users can not only quickly browse the bill and make one-click repayment, but also see some automatically counted consumption data. In addition, it also provides consumption chart analysis to facilitate users to compare consumption information more vividly.