Among many overdraft consumer products, flower buds and credit cards are both well-known products with wide coverage, so they are often used for comparison. Although flower buds are loan products that only exist online, the utilization rate offline is also very high. Do you know which is better, flowers or credit cards? You will know how to choose after reading it!
from the functional point of view, although flower buds and credit cards provide overdraft consumption services for users, the difference is that flower buds can only overdraw consumption, while credit cards also support cash withdrawal. From this point of view, it can better meet everyone's needs. In terms of the quota, the maximum quota of flower buds is 5, yuan, and the quota of most users is around 1, yuan. However, credit cards are completely different, and there is no upper limit on the amount. As long as the user's qualifications are sufficient, he can even apply for a credit card of up to one million. Therefore, if you are a user with a high demand for credit, you can give priority to applying for a credit card. However, while the quota is high, the application threshold for credit cards is also improving. In this respect, the flower garden should have an advantage. Basically, as long as the sesame score is not less than 6, the flower garden can be opened, so it is more suitable for users with general qualifications.
At present, Huabai has prepared a variety of repayment methods for users, including minimum repayment and installment repayment, which can meet the needs of more users. But there are only minimum and installment credit cards, which are relatively few. However, credit cards can enjoy various preferential activities when spending, not only the cards themselves have corresponding preferential rights, but also banks will launch shopping activities for everyone from time to time. However, there are no preferential activities at present, so it is much weaker in this respect. For users who usually have a large demand for overdraft consumption, perhaps using a credit card can make everyone enjoy better discounts. However, everyone's needs are different, so the products suitable for use will also be different.
In fact, there is no conflict between the application and use of flower buds and credit cards. Both parties have their own advantages and disadvantages. There is absolutely no need for everyone to make a choice. They can apply at the same time, so as to meet their own needs.