There is little difference between flower beds and credit cards in essence, but for credit reporting, the difference between them is still relatively large. First of all, we must understand the difference between the two, and then we will look at the credit information of these two types of products compared with products that have not borrowed money. White family? Be good. The full name of flower bud is ant flower bud, which is a consumer credit product launched by Ant Financial. After the application is opened, the user will get a spending quota. When spending, users can advance the amount of ant flower buds in advance and enjoy them. Consumption first, then payment? Shopping experience. ? Excuse me. It is a loan service launched by Alipay. According to different sesame scores, users can apply for different loan quotas. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan. Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

As can be seen from the above situation, flower buds are somewhat similar to credit cards, that is, they are used for consumption and cannot be directly converted into cash, but cash can be converted into cash. On the whole, it is a consumption pattern of borrowing money, but flowers and borrowing money belong to Ant Financial, a subsidiary of Alibaba. Their quota is mainly determined according to Alipay's big data, so it has nothing to do with credit reporting. In this way, even if the amount of flowers and loans is high, the credit situation is good. If you use a credit card, spend regularly and repay within the prescribed time limit, the credit card holder will have better credit information, so it is better than "white households" in bank loans or other aspects, as are flowers and loans, but it only applies to Alipay, not banks.

Now I can tell you clearly that there are more people who spend money and borrow money in Alipay's credit branch. As long as it is not overdue, the credit information in Alipay is better than that. White family? It's better this way. People who use the same credit card many times are not overdue, so the credit rating is better than? White family? Even better, you may have heard that the more credit cards are swiped, the higher the limit. But if these places are overdue, the credit will be damaged. If there are many overdue cases, the flower beds and lending places may be closed, and the bank credit card quota will be reduced or even no quota, so the whole credit situation will be even worse. White family? .

For such a situation, we can also give an example around us, that is, friends often ask you for money, and then promise to pay it back within a certain period of time, as well as an interest fee. In the previous cooperation, he often paid back the money on time, so he later increased the loan amount, so you would agree if you trusted him, but an unfamiliar friend (Bai Hu) asked you for money and said that he would pay it back after a certain period of time. Similarly, if a person borrows money and doesn't pay it back, or it takes a long time to pay it back, then he has broken his promise. The next time he borrows money from you, you may not believe him. People who have never borrowed money from you can still be trusted, so they will lend him some money. Summary: as long as people who spend a lot of money on credit cards are not overdue, then the credit situation is better than those who have never borrowed money to spend? White family? Better, on the contrary, the credit situation will be worse.