which is more practical, flowers or credit cards? Four aspects are clear when compared!

Flower buds and credit cards can be overdrawn in advance, and they can enjoy interest-free after consumption. Therefore, it is not a once or twice thing to be compared. Many people want to know who is better. Today, I will analyze for you from four aspects, which is practical, the flower garden or the credit card.

1. Quota:

The maximum amount of flower buds is only 3, yuan, and many users generally only have more than 1, yuan. In contrast, the credit card quota is relatively high, especially for credit cards of commercial banks, such as China Merchants Bank and Bank of Communications. It is no problem for customers with average qualifications to casually limit 1, yuan.

In addition, it is difficult to raise the amount of flower buds. The flower buds have been used for several years, and the highest is only 1, yuan. However, credit cards are different. As long as you pay back on time, spend more by credit card, and often do it in installments, then the speed of raising the amount can be leveraged, usually up to 6 months.

2. Interest-free:

Although flower buds and credit cards can enjoy interest-free consumption, the interest-free period is different. Obviously, the interest-free period of flower buds should be short, and the bill will be paid on the 1st of each month, and the repayment will be made on the 9th or 1th. If you want to enjoy the longest interest-free period, you have to spend 3 days after the 1th.

In contrast, the interest-free period of credit cards is much longer. Although the shortest interest-free period is only more than 2 days, if you spend on the day after the billing date, you can have an interest-free period of more than 5 days at the longest, not to mention that credit cards can extend the interest-free period by modifying the billing date.

3. Credit information:

Many friends think that the reason why flower buds are more practical than credit cards is that they don't need credit information, so they resolutely don't use credit cards. What I want to say is that it is also possible to make a credit report when using the flower garden, especially after the flower garden service is upgraded, it is loaned by ant small loan and other banks or financial cooperation, and this situation is also 1% at the meeting.

In addition, the credit information on the flower shop has a greater impact than credit cards, especially when handling bank credit business, banks will think that you must be short of money if you want to borrow even this little money. Credit cards, on the other hand, are different. If you repay on time, the bank will see that your credit is good, and it will be easy to approve.

4. Concessions:

Although flower buds can be consumed online and offline, there are no concessions. Credit cards, on the other hand, are different. You can come to bonus hunter by participating in bank preferential activities, and merchants who brush points can still get points. When the points reach a certain level, you can go to the credit card mall to exchange physical goods, etc., and you can also charge the phone bill. You will know which one is practical.

in a word, which is more practical, flower buds or credit cards? By comparing the above four aspects, it is not difficult to find that credit cards are indeed slightly better than flower buds.

which is more cost-effective, a credit card or a flower shop? Bibi knew it!

Nowadays, after 9s, the consumption level is getting higher and higher, and payment channels such as credit cards and flower beds are often used. Someone asked, which is more cost-effective, a credit card or a flower shop? Let's make a simple comparison below, hoping to help everyone.

which is more cost-effective, a credit card or a flower shop?

1. As far as the quota is concerned, it is understood that many users spend a small amount of money, mostly in the thousands, and even less in the tens of thousands, mainly for daily small consumption.

The credit card limit is relatively high, generally the initial limit is about 1, yuan. If you use it frequently and repay it on time, the amount will be raised quickly.

2. In terms of interest-free, both of them have interest-free concessions, but the interest-free period of Huabai is shorter. And credit cards can also enjoy a longer interest-free period by applying to modify the billing statement.

3. Preferential treatment: There are few preferential treatments for flower buds. Generally, when you meet Alipay platform for activities, there may be a few cents or a few dollars less for payment. However, there are many credit card discounts, such as point redemption, member day discount and so on.

4. overdue: if the credit card is overdue, a penalty interest will be charged at the daily interest rate of .5 ‰ every day, with compound interest on a monthly basis. The same is true for the overdue flowers, and the penalty interest will be charged at the daily interest rate of five ten thousandths every day.

In addition, as far as the overdue effect is concerned, the credit card overdue must be collected at the meeting. Although Huabai has not collected the credit for the time being, it still has a great influence on the sesame credit score, and it will be difficult to borrow other financial products in the future.

the above is about "which is more cost-effective, a credit card or a flower shop?" Answer, you can choose according to your needs.

Which is better, an ant flower bud or a credit card?

Since Alipay ant flower bud, this "online consumption first, then repayment" mode has been favored by many online shopping users. The consumption concepts of ant flower beds and credit cards are similar, so many netizens will be entangled in which one is more suitable for them when choosing consumption methods. Let's analyze which one is better, the ant flower bud or the credit card.

1. Application threshold: low cost of ants

The credit record and income level of the applicant must meet the requirements of the bank to apply for a card, so that the applicant may successfully apply for a credit card. Therefore, there is still a certain application threshold for credit cards, and not everyone can apply for credit cards.

The application threshold of Ant Flower Shop is not as high as that of credit card. You don't need to take the initiative to apply for ant flower beds. As long as your Alipay usage record is good, Alibaba will automatically provide you with a certain amount of ant flower beds, and you don't need to provide credit records, income levels and other certificates.

2. Consumption limit: the credit card is high

There is no upper limit for the credit card. The applicant's credit history and income are different, and the amount is different. The average person's credit card limit is 5 to 5.

The maximum amount of ant flower buds is only 5,, and the average person's amount is 1, to 5,. Therefore, from the point of view of the quota, credit cards are obviously much higher than ant flowers.

3. Installment fee: Low credit card

Credit cards can be divided into 3, 6, 9, 12, 18 and 24 installments, with slight differences among different banks. The cardholder's credit card installment number is different, and the installment fee is also different, but it is generally within the range.

The ant flower buds can be divided into 3, 6, 9 and 12 periods, and the fees for different periods are different. It is divided into 3 periods, 6 periods of total amount, 9 periods of total amount, and 12 periods of total amount. Therefore, judging from the installment fees for ant flower buds and credit cards, it is obvious that ant flower buds are higher than credit cards.

4. Interest-free period: credit card length

The longest interest-free period of a credit card is 6 days, but it is generally 2 days. The repayment date of ant flower buds is fixed at the 9th of each month, so the interest-free period of ant flower buds is 4 days at the longest and 1 days at the shortest.

5. Scope of use: credit card is wide

Ant Flower Bud is suitable for online consumption. Although it can be used in some offline places, its offline consumption scope is not wide. After the bank Taobao co-branded credit cards, credit cards are not only widely used for offline consumption, but also for online consumption. Therefore, from the perspective of the scope of use, credit cards are wider than ant flowers.

6. Withdrawal: Credit cards can withdraw cash, but ant flowers can't

The withdrawal amount of credit cards is a certain proportion of the credit card amount, generally 5%. Ant flower buds can't be cashed out, and you can't use ant flower buds to pay phone bills online.

from the comprehensive comparison between the above ant flower buds and credit cards, credit cards are obviously better than ant flower buds. However, if it is only for small online consumption in advance, you can use ant flower buds, because ant flower buds do not need to apply. From this point of view, ant flower buds are more convenient than the more troublesome application procedures for credit cards. In short, it is suggested that card friends should choose the appropriate overdraft consumption mode according to their own consumption needs.

That's the end of the introduction about which one is better with a flower bud credit card and which one is better with a flower bud and a credit card. I wonder if you found the information you need?