Should Taobao buy things with Huaxia Bank credit or Huabai

Huaxia Bank credit?

1. The amount of "credit purchase" service of banks is higher than that of flowers.

2. Users of the bank will have the opportunity to enjoy a certain full discount when they use credit cards or credit cards to pay in installments when spending on Taobao Tmall.

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 also 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.

Can Taobao pay by credit card?

This is not possible. Taobao must be bound to Alipay before it can be paid by credit card.

Note:

1. All payments on Taobao are made through Alipay. Even if you pay directly by online banking or credit card, the money will be paid through your Alipay. You can't pay without Alipay, so you must register an Alipay account.

2. There is a limit to the payment on Taobao by credit card. The limit of online payment is determined by the bank and has nothing to do with Alipay. For example, the credit card payment limit is 3, and you can pay 3 directly online, but you can only charge 15 to recharge Alipay.

Extended information:

When shopping online, the buyer pays by credit card, and the handling fee charged is 1%, but the handling fee is not necessarily borne by the seller, but it may also be borne by the buyer.

For payment by credit card, the regulations on the fee deduction party are as follows:

If the seller has enabled the credit card payment function and used the credit card to pay, 1% of the fee will be deducted from the money received by Alipay.

if the seller does not enable the credit card payment function and uses the credit card to pay, the buyer will enjoy a free monthly 5 yuan/card limit, and spending within the free limit will be free of handling fees. If you spend more than the free amount, you will be charged a 1% handling fee if you don't have a replaceable credit card to pay.

reference: /payservice.alipay.com/intro/index.htm? C=xyk"target="_blank"title= "Alipay-what is credit card payment? "Alipay-What is credit card payment?

what's the difference between Taobao's payment with flower buds and Alipay's payment? What are the benefits of using flower buds?

The difference between Taobao's payment with flower buds and Alipay's payment:

1. Flower buds are used as a quota, while Alipay uses real banknotes.

2. Flower buds can be staged, but Alipay cannot.

3. The flower shop pays the service fee, but Alipay doesn't need it.

Advantages of flower buds:

First, you can overdraw

Like credit cards, flower buds can be spent in advance. You can spend this month and pay back next month. It can reduce the pressure of people's consumption to a certain extent.

Moreover, many people may not apply for a credit card, especially those who have no stable income. It will be more difficult to apply for a credit card, and if you use a flower shop, you can have an overdraft limit just like a credit card.

second, improve sesame credit

using flower buds to pay can also help us improve sesame credit score, which is very important. If sesame score is high, it is easier to apply for a card on Alipay, and many online loans attach great importance to sesame credit score.

Extended information:

If a buyer pays with a flower bud, the merchant will generally know, because the buyer will charge a 1% handling fee when making a transaction, and this handling fee is basically paid by the merchant.

and if online consumption is paid by flower buds, merchants can see that your transaction payment method is displayed as credit payment in the seller center.

That's the end of the introduction about Taobao using credit card or spending money, and Taobao using credit card or spending money. I wonder if you found the information you need?