There are four main differences between credit cards and Huabei, as follows:

1. The application thresholds are different

The threshold of Ant Huabei is low

< p>Huabei does not support active application for activation, but is determined by a comprehensive evaluation by the Alipay system. Even if you are a "three-no", as long as you are a long-term active user of Alipay and have a Zhima credit score of more than 600 points, you can activate the new Ant Huabei function on Alipay with one click.

Credit card thresholds are relatively strict

At present, for major domestic banks, strict credit card review is an eternal law, such as the work unit and income status of the card applicant, etc. It determines whether the credit card application can be successful, how much limit can be applied for, etc. Some banks even require card applicants to provide financial proof documents (including asset certificates and bank deposits, etc.).

2. The credit limit is different

Ant Huabei’s credit limit has an upper limit

The credit limit of Ant Huabei is different from Alipay users’ Sesame Credit Score and usage frequency. Great relationship.

Higher credit card limits

Everyone who owns a credit card knows the rules for increasing credit card limits. Your credit limit is generally determined based on your credit status and comprehensive score.

The limit of the platinum card is generally not less than 50,000 yuan, and can reach up to about 300,000 yuan. The limit of the diamond card can exceed one million, and the legendary black card has no limit and also has Various privileges.

3. The bill installment times are different

You can choose 3, 6, 9 or 12 issues for Ant Huabei bill installment, from the 1st to the 10th of each month. Since it is the repayment date, you can also apply for bill installment during this period.

Credit card bill installments can be divided into up to 36 installments, and the cardholder can apply for installments between the billing date and the repayment date set by the cardholder.

4. The scope of application is different

Ant Huabei

Many offline places can use Ant Huabei for payment, and Huabei also cooperates with Jumeiyou We have cooperated with platforms such as Pinpin, Baidu Waimai, and Meituan, and this trend is still expanding.

Credit card

Huabei payment is not currently supported in many hotels, restaurants, large shopping mall counters, etc. Generally speaking, credit card payment scenarios are still relatively common.

Reference materials:

Baidu Encyclopedia-Huabei

Baidu Encyclopedia-Credit Card