First, we must first make it clear that there is a difference between credit card and Huabei, and the difference is very big; secondly, there is no doubt that credit card is better.

Second, let’s briefly talk about Ant Huabei. In terms of quota: ranging from 50 to 50,000 yuan, most people’s quota is between 2,000 and 15,000, which means that his quota is relatively low, and he has The upper limit; there is only one type of product, Ant Huabei, which is also very simple; in terms of usage scenarios: mainly relying on Alipay, the payment amount is mainly small, which is also relatively limited; the longest interest-free period is 40 days, The 10th of the month is the unified repayment date; whether it supports installment repayment: it supports installment repayment; whether it supports minimum repayment: it supports minimum repayment.

Third, let’s focus on credit cards. First of all, in terms of credit limit, the lowest credit card is 0 yuan, and the highest is unlimited credit card. The highest limit for a single credit card I have ever seen is 8 million. , is from Bank of China. The summary is that the credit card limit is higher; the product types are more abundant. Many banks on the market issue credit cards, and the types of credit cards issued by the same bank are also rich and colorful, covering all aspects of life, making people It is dazzling; in terms of usage scenarios: it can be used basically everywhere, including Alipay, WeChat, various mobile pay, online cardless payment, offline card swiping, etc.; the longest interest-free period can also reach 56 days, if you If you can use it, it can be longer; whether it supports installments: it supports installment repayment; whether it supports minimum repayment, it supports minimum repayment.

For blind young people who have just entered society, the economic foundation is definitely unstable. A young person is still relatively blind to the concept of consumption. As a young person who has just entered society, the economic foundation is definitely not enough. The current situation, so credit cards and Huabei have appeared. First, you must understand the uses of credit cards and Huabei! Credit cards require certain qualifications before you can apply for a credit card. Huabei only needs to open an account to have a certain limit, so young people now tend to the latter. Huabei is relatively qualified and authoritative as Alipay financial credit. Once you apply for a credit card limit, the limit They are all higher than the Huabei limit.

Some people still can’t afford it! Because once the limit is high, people will have an inflated mentality. If they have no money to use, they will swipe the card and spend money to satisfy their temporary happiness! Raising your consumption level, over and over again, will gradually increase your desire to spend money. At this time, your ability to repay will have problems! If your repayment ability is limited, try not to use a credit card, because once you use a credit card, you will have to pay it back every month, and you will become a slave to the credit card! The risk is lower with Huabei, which is basically a small loan and is basically used for online shopping.