Which one is better, 51 Credit Card Manager or KaNiu?

As a credit card bill management tool, it focuses on consumer behavior analysis and mobile repayment functions. 51 requires registration, but KaNiu does not. Both interfaces feel good to use. In terms of functions, 51 is more comprehensive, but there is no repayment reminder. KaNiu has a repayment reminder with a single function. In addition, 51 is better at email parsing than KaNiu. Always stuck 99 verification. Niuka, on the other hand, is mainly an extension of hand accounting such as Suishuoji, dedicated to daily accounting management records. Personally, I think it is not as powerful as 51.

Kaniu Credit Card Manager Product Analysis

Foreword

The author believes that a good product must first identify its target users and think of all possible ways to reach them Solve the needs and pain points of this group of users; secondly, ensure the experience and stability of the product; thirdly, it should be based on the attributes of the product (such as social products, tool products, etc.) and the product stage (such as the exploration period, rapid growth period, etc.) Using various operating methods to make users and products create stickiness is actually what the saying goes. Of course, products cannot be separated from the commercial essence. The above is to lay a solid foundation for the ultimate goal of profitability.

Recently, the author came into contact with the Kanniu credit card management APP while learning financial management knowledge. This APP has brought me a lot of convenience in credit card management. Let’s do a simple analysis of Kanniu.

1 User analysis

1.1 Target users

The author has obtained some data about credit card users:

In general , Cash credit cards are used very frequently. Cardholders are mainly aged 25-35, and their income is around 5,000-12,000. They have strong demand for shopping, financial management, etc.

1.2 User needs

Credit cards are almost the standard for most major consumers nowadays. However, once a credit card is overdue or maliciously delayed, the above-mentioned bad records of the credit card holder will also be affected. Will affect personal credit record. At this time, users urgently need a product that can provide reminder services for credit card due repayments and the function of viewing consumption records. In the past, some credit card APP products with simple functions on the market simply parsed the bank's monthly email statements. In addition to facilitating viewing, they did not solve the core problem that troubles credit card users: "timely grasp the accurate amount of credit card swipes and reasonably control consumption."

2 Product Analysis

2.1 Product Positioning

1) Accurate Positioning: Solving User Pain Points

Every time a user swipes a credit card , you will receive text message reminders from the bank, and these bank text messages will be analyzed and sorted in a timely manner to dynamically reflect the summary data of users' card consumption, avoid the lag in monthly credit card bills, and effectively solve the pain points that have plagued credit card users for many years. KaNiu firmly grasps this pain point of users and launches an automated credit card management tool.

So far, Kanniu has successively supported more than 1,000 SMS templates from 178 banks. Each bank card account is designed in a simulated card style to intuitively display the main information dimensions of the credit card, allowing users to manage it like A bank card is as friendly as a wallet.

2) Demand expansion: from card management to financial management and consumption

From the survey data collected earlier, we found that credit card users have particularly strong demand for shopping, financial management, etc. With the development of Kaniu today, on the premise of ensuring that the main pain points of users are solved, the products have gradually expanded to areas such as financial management, shopping activities and information.

2.2 Product Design

From the perspective of the scope of KaNiu products, KaNiu puts the most important information on the homepage - credit card consumption information and repayment reminders. This allows users to pay attention to the issues they care about most as soon as they enter the APP. The Asset Tab is also information related to credit card consumption, and has added financial analysis functions to allow users to have a clear understanding of their consumption.

In addition, in terms of the structural layer setting of KaNiu, Kashen and loans are placed on the tab at the bottom of the APP. It can be seen that the product is gradually expanding into financial management-related fields, and by combining different scenarios to meet Users’ financial management needs.

Comparative Analysis and Suggestions on the Main Functions of 3 Competing Products

Judging from various data on financial management APPs, the most fierce competition with Kaniu is none other than 51 Credit Card Manager. Below, the author makes a detailed analysis of the main functions of the two credit card management giants, Kaniu Credit Card Manager and 51 Credit Card Manager (due to the huge product functions, only the functions of the following checked parts are analyzed):

3.1 Application main interface

KaNiu

KaNiu

51

1) Page design and user experience

Kaniu manages multiple card accounts on the homepage, which can be controlled by pinching and stretching. The main interface can be switched by sliding left and right, giving a better user experience. Card Niu can set DIY background images, and the card imitates the design of a real wallet, making the experience more user-friendly.

The design of 51 Credit Card is flat style, without too many animation effects, and the style is simple.

2) Important information display:

The information displayed on the card by KaNiu includes: payment time, balance, interest-free days, and repayment button

51 The information displayed on the card includes: payment time, balance, expiration reminder, repayment status

3) Personal suggestions

U Kaniu has done a relatively good job in user experience. Yes, expiration reminder information can be added to the information display.

ü In addition, in terms of novice guidance, neither KaNiu nor 51 has good novice guidance instructions and related tutorials, which greatly increases the learning cost for novice users.

3.2 Bill import and analysis

1) Bill import

51 Credit Card Manager has fully supported the analysis of bills of 36 banks, while Kanniu supports 178 banks. There are about 1,000 kinds of SMS templates, and it supports about 200 kinds of bill templates from 50 banks, which is a big advantage compared with 51.

The other 51 are slow to import credit card information. In terms of bill parsing speed, Kanniu is said to have dual parsing engine technology, which can quickly parse and intelligently classify 97.8% of the country’s monthly credit card statement emails.

2) Bill analysis

51

KaNiu

51 bill data includes bill cycle, daily bill status, and interest-free card swiping Period, card balance, etc., consumption statements are distinguished by different icons. Ka Niu can display the outstanding bills, remaining balance, total consumption, bill date, interest-free period, consumption flow, etc. for each card. The flow numbers of income are in red and expenditures are in green.

3) Personal suggestion

The page design of Kaniu’s bill flow module is relatively bloated. You can simply classify the information without displaying specific information content. In addition, the entire month's running water is placed directly together, which makes the readability relatively poor. It is recommended to display it in weeks or days. In addition, the monthly turnover statistics are really the total income and total expenditure, which allows users to obtain consumption information.

3.3 Payment date reminder function

51

KaNiu

The payment reminder function is one of the most important functions in credit card management First, KaNiu’s repayment reminder function has a repayment reminder setting switch, which can be set to a certain point in time on a specific date, and the repayment reminder sound can also be customized, which is more user-friendly. The 51's settings are slightly rougher.

Personal suggestion:

The importance of the repayment reminder function is undoubted, but whether it is KaNiu or 51, the function settings are hidden very deeply! If you want to set up a repayment reminder in Kanniu products, you need to go through the 4 steps of My Settings, Message Notifications, Settings and Management Reminders! And 51 also needs to go through the 3 steps of setting management reminders by me! Many users may not even know this feature exists. My personal suggestion is to add this feature to the home page or add a reminder in the calendar.

3.4 Financial Analysis

KaNiu

KaNiu

KaNiu

KaNiu

The entrance to KaNiu’s chart analysis is in the upper right corner of the asset page, and the icon is difficult to identify. The home page of the financial analysis is a comparison of this month's income and expenditure curves and a consumption tree diagram, allowing users to understand the income and expenditure situation and consumption structure very intuitively.

After clicking on consumption this month, there are pie charts and bar charts for a detailed breakdown of the consumption structure. However, the display of the pie chart is not very intuitive, and the user needs to turn the dial to view the proportion of each consumption.

The chart of 51 Credit Card Manager is relatively small, and the function entrance is placed in the report analysis I set up. The consumption classification needs to be manually clicked, and the numbers on the icon are slightly blurry

3.5 Credit Card Community

Because 51 Credit Card Manager does not clearly divide the community sections, the author only talks about his own opinions on the community in Ka Niu.

The community in Kaniu Credit Card Manager only needs to contain the following content:

The classification of Kaniu community content is relatively confusing. Whether it is credit card-related knowledge or financial management or loan-related knowledge, it is directly horizontal. are listed in the tabs at the top of the screen, and credit card related knowledge expands into multiple options. In addition, there is no fixed entrance to the promotional activities, and they are directly inserted into the more prominent positions on each page.

My personal suggestion is to sort out the information display:

1) Organize and classify community content

2) Highlight preferential activities and task modules

4 Summary

Kaniu can support the analysis of more than 50 banks and more than 200 types of email bills. It is the credit card management APP with the most extensive cooperation with banks and the strongest ability to analyze email bills. In addition, Kanniu has used the dual-engine analysis technology that is unique among similar products, and has absolute strength in bill analysis.

The author believes that in the basic functional modules of the product, there are still some details that need to be improved, such as novice guidance and education, bill flow display, etc. There is a lot of room for development and improvement in terms of product expansion needs. Kanniu can increase investment in this area and promote the automation of more financial management scenarios.

I have 8 credit cards and I don’t want to cancel them. Can you recommend an APP that is convenient for managing cards?

The Cloud QuickPass APP is very good at managing credit. Guanjian is a safe APP of China UnionPay. There is no handling fee for transferring money to credit card. Convenient to check bills.

For this situation, I personally feel that there are several APP platforms that you can choose to use to manage credit cards:

1. 51 Credit Card Manager is better and can unify the credit cards of various banks. Together, you can see at a glance how much the bill is, what the repayment date is, which credit card used that day has the longest interest-free period, etc. Moreover, repayment is free of handling fees. It can be said to be a very convenient platform. It is a pity that Qianjin 51 Credit Card has been brought to the forefront due to violent loan collection, which has affected the image and credibility of the entire system and weakened its appeal to customers. But purely in terms of card management functions, this platform is good. It directly prompts you which credit card has the longest interest-free period, so you don’t have to calculate it yourself.

2. There is also a Wacai credit card platform, which is also a platform for managing credit cards. It manages credit card bills of various banks. It is also a very easy-to-use platform for card owners with multiple bank cards. Reminder of repayment time and amount in advance to avoid mistakes in repayment dates for multiple bank cards and accidental forgetting of repayments, which will affect personal credit. It also shows the interest-free period.

3. UnionPay Cloud QuickPass Platform, this is a platform promoted by China UnionPay. It can be said to be a very safe APP platform. Card management is one of its main contents. The amount of the bill and the repayment date are all marked, and there is no handling fee for repayment. Currently, there is a lottery in the promotion application, which is also very easy to use. But there is no interest-free period reminder, which is the only flaw.

These are the three platforms that I have come across and think are relatively easy to use. Of course, there are many other platforms, which I will not list here. It is highly secure and convenient to use UnionPay Cloud QuickPass. Using which bank card has the longest interest-free period on the day to make a single payment is easier than using the other two methods.

I just have some experience, let’s discuss and exchange together. Haha, I personally think that the most worry-free way is to use UnionPay’s UnionPay QuickPass APP

The advantages are as follows;

1. The bill is clear at a glance, and one APP does not require checking the bill from each company. .

2. Repayment is convenient. You can directly bind the card to the APP for repayment. No need for Baoya or Xinya. The key is free and it will be updated in seconds.

If you want to learn knowledge, you can learn about 51 Credit Card Manager. There are too many softwares on the market, each with its own advantages. For peace of mind, I recommend these two. Let’s discuss and discuss. It’s my humble opinion.

Union QuickPass is official and can be used and repaid for free

I have four or five credit cards and have downloaded many credit card management software. In the end, I think there are some that are pretty good. Two software: NetEase Money and 51 Credit Card.

A. NetEase Youqian

NetEase Youqian is an accounting app produced by NetEase. You can add credit cards and synchronize credit card statements. It will also send message reminders on the repayment date every month. Not only can you see your consumption records, but you can also see your interest-free days and payment date, and there will be message reminders when the repayment date comes.

In addition, you can also synchronize the bills of other savings cards and Alipay, and you can also add investment accounts such as stocks and funds to synchronize. . By automatically synchronizing bills and accounting, you can have an understanding of your consumption situation, and plan your assets well through the data statistics on the app.

In general, as a credit card management, it is still overkill, and it is more appropriate to call it asset management.

B. 51 Credit Card

51 Credit Card automatically parses electronic bills through email, and also has expiration reminders, and can be repaid through the APP. However, I value asset management more than repayment. Because I have bound my savings card for automatic repayment. Occasionally, manual repayment is because there is a balance that cannot be withdrawn from WeChat or Alipay. So this function is not very useful. Overall, 51 Credit Card is not bad.

These 2 models are recommended to everyone. If you are interested in comprehensive functions, in addition to managing credit cards, and want to gradually establish a financial management concept and comprehensively manage your own assets, it is recommended to use NetEase Money.

If you want to use mobile phone management

The only recommendation is the UnionPay app

This is a UnionPay thing

mcc, transaction record Check here

Bills are updated in real time

Nothing to worry about security

If you use a computer, you can use the form, which is more clear at a glance and maintains the card efficiently!

It is really difficult to manage too many credit cards. A little carelessness will cause a certain bank's credit card to expire. It is very important to choose a safe and convenient management software. Here is an introduction to you UnionPay Cloud QuickPass can be said to beat any credit card management software on the market in terms of security and convenience.

What is UnionPay QuickPass?

Under the guidance of the People’s Bank of China, China UnionPay joins hands with various commercial banks, payment institutions and other industry parties to jointly develop UnionPay QuickPass. The mobile payment APP developed, constructed, and jointly maintained and operated was officially released on December 11, 2017; its three core functions are: collection and payment, discount enjoyment, and card management. Today I will mainly introduce the aspects of credit card management. I will not introduce the collection and payment as well as enjoying discounts.

Cloud QuickPass Card Management

After we download and register the Cloud QuickPass App, log in and authenticate with your real name, you can bind the credit cards and debit cards we need to manage. Why? It is recommended to use Cloud Quick Pass to manage cards. Here are the advantages of Cloud Quick Pass.

One: Security

Three: Repayment

Summary

I have 8 credit cards and don’t want to cancel them. I would like to recommend one. Is there a convenient APP for managing cards?

Teacher Wang Deyin’s point of view: You must not have this idea. It is very dangerous. The management of credit card APP is too deep. Once a problem occurs, it is you who will suffer the loss. After all, once it is overdue, it will take five years. It can be eliminated in years.

1. Today’s credit card APPs are basically unreliable

A few days ago, a Hong Kong listed company and the country’s largest credit card management company “51 Credit Card” suffered a thunderstorm. Company executives All have been caught, and the national financial authorities have begun to rectify P2P companies. Next, there will be more credit card management companies experiencing thunderstorms. This is an inevitable trend.

In recent years, bank credit card business has developed rapidly, and many merchants have taken a fancy to this piece of cake. Following this, various credit card management companies have sprung up like mushrooms after a rain, with varying degrees of good and bad. Every year There will be troubles with several credit card management companies. As long as one company has troubles, a large number of cardholders will be cheated. Many cardholders who have overdue cards or even have black accounts later are related to the credit card management companies.

I have a friend who has the same idea as you. He has 8 credit cards and overdrafted more than 500,000 yuan as working capital for business. Then he found a credit card management company to manage his credit cards. Later, this happened. Something happened to his company, and his credit card was overdue. The bank first lowered the limit on his credit card, and then urged him to repay it. If he didn't open it or pay it back, the bank blocked his credit card, and then he became a black account. Now the bank The case has been reported, but my friend is still in the detention center awaiting sentencing, and is expected to be sentenced to more than 10 years in prison. What a painful lesson this is!

2. You should be careful if someone recommends an APP to you.

Now if someone recommends a credit card APP management software to you, you must not believe it. This industry is too slow. If it's too late, it's only minor if the code jumps. If it's overdue, the bank will reduce your limit. If it's more serious, it will block your card. It's almost the end of the year, and the bank's risk control is very strict. Banks are very sensitive to the slightest sign of trouble and will come to you at any time. You will regret it later.

Conclusion: Credit cards are used for consumption, not investment. Investment is risky, so be cautious because there are too many such cases. I hope you will not repeat the mistakes of others. A misstep will lead to eternal regret, and it will be a hundred years later when I look back!

Credit cards are a double-edged sword! However, I still insist that it is better for poor people not to use credit cards. This thing is still suitable for rich people. The prerequisite for using credit cards well is that you have sufficient repayment ability and financial management ability. If you use credit cards poorly, Just like using P2P online lending, it will eventually fall into a cycle.

Although credit cards are good, don’t be greedy for too much

The advantage of credit cards is that they are easy to turn over at critical moments. For users who have short-term financial constraints, credit cards can fully support their daily consumption. Demand, for most office white-collar workers who receive a monthly salary, credit cards can be said to be a very convenient temporary wallet.

Credit has many advantages. It is basically difficult to make purchases abroad without a credit card. The biggest advantage of credit cards is that there are many discounts. Many big brands have cooperated with major banks and basically have preferential policies for credit card consumption, such as discounts for big brands, and credit card points can also be exchanged for some exquisite gifts. Apple is even more like this. Cooperating with banks, there is an interest-free period of up to 24 months.

Credit cards have many advantages, but if used improperly, it is easy to remember the repayment period incorrectly. Misremembering the repayment period may eventually affect your credit. At this time, the gain outweighs the loss. Once you forget the credit card Your credit record for repayment will inevitably be affected, and it will be more troublesome in the future when you need a loan to run a business, buy a house, or buy a car.

Union QuickPass manages all credit cards and does not charge like WeChat and Alipay

Of course there are many credit card management tools, such as WeChat and Alipay, which can also perform simple bill management, but they are not enough Conveniently, you can certainly manage your credit cards well with the help of the major banks’ own credit card apps. China Merchants Bank’s credit card app “Pocket Life” can even be said to be a benchmark in the industry. However, after all, there are often more than one credit card, and it is not just one bank. If every It is very inconvenient to download one app for every bank.

Later, third-party credit card management tools such as "Kaniu Credit Card Manager" and "51 Credit Card Manager" appeared. These tools can even be used to manage Huabei bills, but these third-party tools are not safe enough. Credit card information is relatively important, so it is not safe to hand it over to a third party.

UnionPay is a product of China UnionPay. As a son of the central bank, you can rest assured of the security of this product. It is definitely much better than handing over your information to a third-party platform.

It is also very convenient to manage credit cards with Cloud QuickPass. One App can manage all your debit and credit cards very well.

Another huge advantage of Union Quick Pass is that there is no charge for repayment. Currently, Alipay and credit card repayment charge fees. Of course, for most credit card users, there may not be any fees in each billing period. The handling fee is too large, but for heavy credit card users, such as myself who have at least tens of thousands of credit card bills every month, the monthly handling fee is close to 100 yuan, which is more than 1,200 yuan a year. Using cloud Of course, Quick Pass can also save a lot of money on coffee.

Union QuickPass, Lingxinbao, personal experience, good

Which credit card repayment software is better?

The following are the better credit card repayment software:

1. 51 Credit Card Manager

As early as May 2012, 51 Credit Card was established , and pioneered the “51 Credit Card Manager” APP to help users intelligently manage credit card bills with one click, managing over 30 active credit card bills in China.

This software can not only automatically import email bills and query bills at any time, but also can set credit card repayment reminders, provide one-click repayment operations, and also supports mainstream repayment channels such as 51 Renpinbao and Alipay.

2. Kaniu Credit Card Manager

Kaniu Credit Card Manager is a professional software for managing credit card limits, supporting China Merchants Bank, China Construction Bank, Bank of China, Agricultural Bank of China, Industrial and Commercial Bank of China, Fully automatic SMS accounting function for 178 banks including China Minsheng Bank, Ping An Bank, Industrial Bank, Bank of Communications, China Everbright Bank, China CITIC Bank, Hua Xia Bank, and Postal Savings Bank, supporting approximately 200 kinds of bill templates from 50 banks.

In addition, you can also manage real-life cards and set repayment reminders.

3. Wacai Credit Card Manager

Users can manage credit cards through binding multiple email addresses, supporting nearly 20 countries including the four major state-owned banks and China Everbright, Guangfa, Shanghai Pudong Development and Industrial Industrial Bank. Bank, supports multiple currencies.

After binding the email address, personal credit card consumption information will be automatically entered for intelligent data analysis, and data such as the minimum monthly repayment amount and interest-free period will be calculated based on the conditions of each bank and presented in the application. Details of each credit card's repayments, minimum repayments, interest-free periods and bills. Moreover, the software will also send push reminders for repayment 3 days before the repayment date and on the same day.

Which one is safer, 51 or Kanniu?

1. 51 and Kanniu are both credit card stewards. The third-party software is not the official software of the bank, and its security is not guaranteed. Although both software are big brands, credit card management requires binding the card and filling in personal information, so there is a risk of information leakage. Therefore, it is recommended to use banking software to manage credit cards directly, which is more secure.

2. However, for users with multiple cards, credit card management software can efficiently manage their credit cards so that the credit cards will not be overdue for repayment. In this case, 51 and Kaniu also have merits. .