As three popular credit payment tools in the market at present, Ant Flower Blossom, JD.COM White Stripe and Credit Card have different characteristics and applicable scenarios. Here is a detailed analysis of the differences between the three:

1, credit history report

-Overdue repayment of credit cards will directly affect an individual's credit record in the central bank. Although Ant Flower Blossom and JD.COM White Stripe are not directly reported to the central bank's credit information system at present, in case of overdue repayment, this information may be recorded by other credit information agencies.

2. Apply thresholds

-Credit card applications are usually very strict, requiring a series of personal data to be submitted and approved by the bank. In contrast, the application process of ant flower buds and JD.COM white stripes is simpler, and usually you only need to fill in the information at the corresponding client.

3. Quota and interest-free period

-Credit cards have a wide range of credit limits, ranging from thousands to millions according to individual qualifications. The interest-free period can be up to 60 days. The maximum amount of ant flower buds is 30,000, and the longest interest-free period is 54 days. The amount of IOUs in JD.COM is generally low, generally not exceeding 65,438+0,000, and the longest interest-free period is 40 days.

4. Installment fee

-The credit card installment fee varies according to different banks and card types, and the general rate is between 0.6%- 1% per month. The installment rates of ant flower buds are 2%, 5%, 4%, 5%, 6%, 5% and 8% respectively, while the installment fees of JD.COM white bars are lower, which are 0% and 5% per month.

5. Scope of use

-Credit cards are the most widely used, and can be used in all kinds of online and offline scenarios. Ant Flower Bud and JD.COM White Bar are mainly used for consumer payment on their respective platforms, but Flower Bud is more widely used, which can be used by Taobao, Tmall and offline merchants, while White Bar is mainly used in JD.COM Mall.

6. Repayment method

-There are many ways to repay by credit card, including bank transfer and automatic deduction. Ant Flower Garden supports Alipay account balance, balance treasure or bank card repayment. JD.COM IOUs support bank card or credit card repayment.

Extended data:

-Users should also consider personal consumption habits, repayment ability and credit management when choosing credit payment tools. For example, some online loan big data systems can provide online loan record query services, and users can query online loan application records, platform types, overdue and other important data information on platforms such as "Lan Bing Data", which has certain reference value for personal credit management. At the same time, users should pay attention to avoid overdue repayment, so as not to affect their personal credit records. When choosing credit payment tools, we should fully compare the characteristics and conditions of various tools and choose the payment method that suits us best.