the differences between them are different types and institutions, different payment methods, and different interest and expenses.

1. Different types and institutions: Jiangsu Bank Credit Purchase is a credit card installment service provided by Jiangsu Bank; Flower Garden is a consumer credit service under Ant Financial, based on a third-party platform.

2. Different payment methods: Jiangsu Bank pays by credit card, and users can choose to pay the purchase amount in installments; Flower buds include the consumption amount in the flower bud account.

3. Interest and expenses are different: Jiangsu Bank Credit Purchase Association will charge a certain installment fee and interest; Flower buds will not charge interest during a certain interest-free period.