I am a credit card bully named Brother Tang. I am a high-quality credit card holder from 20 banks, with a limit of over one million. I have never had an overdue card in 10 years. I think I should have a say in this issue. Because I have many cards, I would not be able to manage my credit cards without auxiliary management software.

Without further ado, let’s get down to business and let’s talk about software.

The first software is the UnionPay APP. The benefits of the UnionPay APP are as follows.

First, you can view all your transaction merchant types and MCC codes in real time.

Second, you can check when you have to pay back the money at any time, so that you can plan your funds in advance.

Third, he can manage all the credit cards in your name, which is very convenient.

Fourth, using the UnionPay APP, there is no handling fee for repaying credit cards of other banks.

But the UnionPay APP is only suitable for managing one person’s credit card, so if you have several people’s credit cards, then you will need the help of another APP. Of course, this APP is a third-party one. If you have If you are worried, you don’t need to download this APP. Anyway, I have nothing to worry about, because I have been using it for many years without any problems.

This APP is 51 Credit Card Manager. Its benefits are as follows.

First, he can manage many people’s credit cards.

Second, he knows which credit card currently has the longest interest-free period.

I personally use these two apps. If you have other better apps, please recommend them.

One: 51 Credit Card Manager

APP function introduction:

1. Automatically import bills and intelligent bill analysis

2. Repayment : One-click repayment, you can set a repayment reminder, recharge and repay through the "Fuyou Repayment" channel of 51 Credit Card Manager, and you will get free repayment money.

3. Card application: Supports fast card application from 7 banks including Communications, Citigroup, China Merchants, CITIC, Everbright, Guangfa, and Standard Chartered.

4. Banking services: Provides service information of 49 banks across the country, including telephone banking, mobile banking, etc.

5. Value-added services: Support personal credit inquiry, violation inquiry, lottery, rent payment, and provident fund services.

6. Financial management services: instant loans, borrowings, financial management (Yidingying)

2. Digging money

APP function introduction:

　1. Automatically import bills

　2. Repayment: Bind debit card for repayment and receive it in real time.

3. Card application: Not supported.

4. Banking services: Provide 18 mobile banking service hotlines across the country.

5. Value-added services: There are special "discount" and "forum" channels to provide card discounts and strategies.

6. Financial services: None.

3. Ka Niu

APP function introduction:

1. Automatically import bills and intelligent consumption analysis.

2. Repayment; repayment reminders can be set, and mobile banking, telephone banking, and linked debit card repayments are supported.

3. Card application: Supports quick card application from four banks: Bank of Communications, CITIC, China Everbright, and Guangfa.

4. Banking services: Provide 43 mobile banking service lines across the country.

5. Value-added service: Interest-free period reminder, especially suitable for cardholders who have evolved from novices to adults.

6. Financial services: credit loan.

IV. Rong360 Credit Card Manager

APP function introduction:

1. Automatically import bills and intelligent consumption analysis.

2. Repayment; you can set up repayment reminders, support Alipay repayment, telephone banking repayment, and provide counter/ATM machine location.

3. Apply for a card: Provide thousands of credit card applications and carry out popular categories, such as car owner cards, supermarket shopping cards, etc.

4. Banking services: Services are provided for a single credit card. I have not found the specific number, but it should cover all available credit cards.

5. Value-added service: Interest-free period reminder, especially suitable for cardholders who have evolved from novices to adults.

6. Financial services: None.

5. Alipay Wallet

APP function introduction:

1. Automatically import bills.

2. Repayment; you can set a repayment reminder and bind Alipay repayment.

3. Card application: Not supported.

4. Banking services: Not provided.

5. Value-added services: Life service platform, very practical.

6. Financial management services: Yu’e Bao, etc.

Judging from the above introduction, each of the major APPs has its own advantages:

The functions of “Digging Money” and “Kaniu” are simple and clear, and are more suitable for novice users who value preferential information. Card friends can consider digging money.

The more comprehensive functions are "51 Butler" and "Rong360 Butler". The value-added services of "51 Butler" are very attractive, while "Rong360 Butler" focuses on the convenience and comprehensiveness of card application. Cardholders who pay attention to repayment and financial management can consider "Alipay Wallet", which can truly repay with one click, and you can get higher interest by investing in Yu'E Bao.

We recommend UnionPay’s official app Cloud QuickPass, which can manage 30 credit cards. You can see payment records at all times and be reminded to repay before the repayment date. UnionPay's UnionPay app is definitely much safer than other 51 apps and has many aspects.

You can use Cloud QuickPass to manage many cards, and you can also manage debit cards. There are no messy advertisements, which is more important...

I have always used 51 before, and occasionally there will be some Coupons were available, but now there is nothing. I came across Union Quick Pass by chance and found it to be very convenient to use. The key is that there are no handling fees when paying with a credit card!

I use 51 myself.

Give priority to UnionPay’s official software “UnionPay QuickPass”

You can easily manage all the cards under your name, you will be reminded of the repayment date, and there will be no handling fee for repayment, and there are also local Recommended promotions. I hope it can help you

360 Finance, KaNiu

There are many credit card auxiliary software. As for which software I won’t say, for the sake of safety and convenience, it is only recommended to use UnionPay official APP Cloud QuickPass ( Various mobile banking apps are also convenient). You can manage savings cards and credit cards of various banks, and you can also directly check bank card balances. It is very convenient. It is mainly safe and secure. I hope it can help you!

It is best not to use vampires. There are too many fake merchants.

100% reduction in the first half of the year.

There is really no way to use it for one or two months. Still no problem