1, the difference of quota

It seems that the maximum amount of flowers is only 30 thousand, but credit cards are different, from thousands to tens of thousands, from hundreds to hundreds of thousands. Small consumption and general consumption, large consumption basically need credit cards, of course, those small cards are not good either.

2. Different consumption scenarios

As long as the merchants with wired POS machines can use credit cards, the flower buds can only be spent in some specific merchants. Of course, there are still many scenes of Alipay's payment and collection.

3. The interest-free period is different.

First of all, the interest-free period in Bai Hua is one month, and it needs to be repaid on a fixed date every month. The longest interest-free period of credit cards can reach more than 50 days. Many banks have the opportunity to modify their billing statements once or twice a year, which can be used to delay the repayment period.

4. Similar

If Alipay is bound with a credit card, in some businesses, using a credit card is similar to spending money. In addition, the credit card itself is connected with the central bank's credit information. Flower buds are first related to sesame credit. If it is overdue, it will go to the central bank for credit information. Central bank credit reporting is as important as sesame credit.

Using flower buds can accumulate points, thus increasing sesame points. The improvement of sesame score has a certain positive impact on many loans or other activities, because now many things need to check their sesame score. Make good use of credit cards, the wool is on the sheep, and many banks have various activities.