1. If you need to pay a large sum of money in one lump sum, or want to use a credit card, and you have a credit card in JPMorgan Chase, it may be more appropriate to use JPMorgan Chase to pay. Credit cards in JPMorgan Chase usually provide benefits such as preferential activities and points refund, which can save some expenses.

2. If you need to pay by installment, or want to use Alipay, and you have a flower garden quota, then it may be more appropriate to pay by flower garden. Bai Hua provides installment payment service, which can share the consumption amount and reduce the economic pressure.