Conditions of flower bud opening. The opening conditions of flower beds are extremely low, and everyone can do it. Is it simple? He is known for his low requirements. Master identity card 18 years old, individuals can do it. If you have a job, you can stop working. Old people can do it, so can students. Who wouldn't do such a simple financial service?
Conditions for handling credit cards: 1. Have a formal job and a stable income. 2. At least 18 years old. Obviously, credit cards need a stable income and a formal job, which is more difficult than spending money.
The repayment date in Bai Hua is very different from that in credit cards. The repayment date in Bai Hua is very different from that in credit cards. Flowers will be returned on the 9th of every month, which is fixed, and everyone is the same. The longest time from consumption to repayment is only 30 days. Credit card repayment date is generally 20-56 days, which is 26 days longer than Huabai repayment date. This is much cheaper than a credit card.
The amount spent is higher than that of non-credit cards. After all, flower beds are not the mainstream, although Ma Yun once said that banks will change if they don't change. But the bank is still the orthodox big brother. The amount of flower buds is generally 1 0,000-10,000,000, even 50,000 is very small. Credit cards are different. Many platinum cards have a limit of 200,000-500,000, or even 1 10,000. More importantly, there is an unlimited quota, and you can use as much as you want. I'm not kidding. Before Zhao Benshan, it was rumored that he had an unlimited card with Guangfa Bank. Flowers, can you compare with banks?
Less flower buds are beneficial and less rights. At most, it is to give users a few cents discount, and few people have heard of anything about 50% off and half price. But credit cards are different, and there are market promotions every quarter. 100 and 50 are many, and there are also many credit cards with a 50% discount for KFC, McDonald's and Pizza Hut. Retire those high-end rights and interests, such as high-speed rail VIP, airport VIP, bank counter VIP, etc., without even a shadow, let alone his points for gifts and services. Flower buds and credit cards are completely different at one level and at different levels.
Many people say that you don't need a credit card if you have flowers, because many low-end people simply don't have the conditions to apply for a credit card. Who doesn't want to get a credit card? After all, credit cards are the right way in the world. What do you think of this? Welcome to comment in the message area.
I'm @ credit card specialist Zü ge, and the bank staff professionally explain the knowledge and skills of using credit cards. Please add comments!
Hello, I'm Lao Li.
I think this view is wrong. We can discuss this problem from two aspects.
This is a closed-loop transaction from Taobao to Bai Hua without cash. All transactions are conducted on the platform of Taobao architecture, which means that your transaction background can stand the system check. Moreover, in terms of payment channels, flower buds have certain priority. For example, if you trade on my platform, I can give priority to my platform's own products and display them in a prominent position. Achieve the purpose of using "flowers". Increase customer stickiness.
In the application scenario, the limitations of the application scenario: compared with credit cards, flower beds still have limitations. The credit card application scenario is relatively mature. Compared with flower beds, I've only heard of businesses that can't brush flower beds, but I've never heard of businesses that can't brush credit cards.
Credit card application scenario Garden application scenario
In terms of risk control, Alipay's risk control degree is far greater than the bank's own system risk control. You can know that you have the QR code handled by the bank. Often, the risk control is Alipay and WeChat, and the bank risk control is during the period.
Alipay risk control is far more perfect than bank risk control.
If there is a risky transaction once or twice, your garden may be closed.
And the credit card can be used normally.
Therefore, Lao Li's point of view is that the scene of credit card is far greater than that of flower garden, and the scope of application of credit card is far greater than that of flower garden.
Why do some people say that credit cards are no longer used after the flower shop opens?
We know that Bai Hua's application scenarios are more and more extensive. If it can only be used in Taobao at the beginning, now its application scenario can almost be used as cash. In major stores, as long as Alipay is supported, Bai Hua can be used for payment.
Indeed, some merchants did not open flower beds, but Alipay opened flower beds for face-to-face flowers in order to increase the enthusiasm of users. What does this mean? For some scenes where flower beds cannot be used, Alipay flower beds can help pay as long as our single price is lower than 150 yuan.
Therefore, flower buds are increasingly becoming a living habit used by most people at present. In my opinion, it is a shopping voucher of Taobao, which has developed into a credit card. So why are many people willing to use flowers? But I have reservations about using credit cards.
On the one hand, because the opening of flower beds is relatively simple, you only need to use Alipay. After real-name authentication, Alipay has higher recognition for you, and generally there will be different flower beds. As long as you ensure that your credit rating is relatively high, and you often use Alipay to pay without overdue, then your consumption limit will only continue to increase and improve.
On the other hand, the opening of a credit card is relatively complicated. You need to have a stable job, and even you need to show proof of provident fund. Credit cards are good for people with stable jobs. If your job is relatively stable, people from professional banks will generally support you to open a credit card. Credit cards are worried that your unstable job will affect their repayment, so for credit cards, its opening procedure is more complicated than that of flowers.
With the increasing probability of using Alipay in China, Alipay has become one of the main mobile payment methods. The application scenarios of flower beds are increasing, and the number of flower beds is also increasing. In this case, you can really feel that people are more willing to use flower beds than credit cards.
There is also the most crucial point. Credit cards are used for credit investigation, while flower buds are not used for credit investigation at present. I believe this has become one of the factors that many people are willing to use flower buds.
Now some people may think that it is necessary to use a credit card with flowers.
Readers, what do you think of this? I can only say that the person who dares to say this must be someone who has never used a credit card. If they had used it, they wouldn't be so different. At most, the two are similar, not comparable to credit cards at all, and the regulatory authorities will not allow them. I will tell those who talk big with "evidence" to wake them up!
Let me briefly talk about the basic information of flowers and credit cards:
Credit card is a credit tool for banks to issue credit to individuals or units. Simply put, a credit card is a consumable and redeemable loan with a certain interest-free period. At present, the longest interest-free period of China's credit card is generally 56 days, which belongs to a credit tool that consumes in advance and repays afterwards.
Huabai is a financial service provided by Ant Financial Services Group. Huabai is a consumer credit product, which is somewhat similar to a credit card. It can enjoy the experience of spending first and then paying, and it also has a certain interest-free period.
Similarities and differences between credit cards and flower buds
Similarities:
1, all products are paid after consumption.
2. Everyone has a certain interest-free time, almost all of which is daily interest10.5 million.
Difference:
1. Although the flower buds and credit cards are paid after consumption, the flower buds cannot be withdrawn.
2. The coverage of the two is different. Huayuan is supported by many mainstream e-commerce platforms, and you can pay offline as long as you have Alipay's QR code. Credit cards can be used as long as it is an e-commerce platform. For example, credit cards can be used on Tmall or JD.COM, but not in Bai Hua. Offline, only well-known brands or stores support the use of credit cards. On the contrary, not all famous brands or stores support Bai Hua, but it seems that all small stores support Bai Hua. After all, installing a bank payment system costs a lot of money and is complicated.
Credit cards are universal, but not yet in Bai Hua.
3. Users have different application conditions. Credit cards look at credit reports and personal qualifications, and flowers look at the use of Alipay.
Credit cards offer more discounts than flower beds, such as air tickets, VIP services at the airport, movie tickets, milk tea, restaurant discounts and so on.
5. A person can only have one bud, and a person can have multiple credit cards without duplication and different benefits.
6, the amount of flowers is not high, and the credit card amount can be very high.
The above just lists the points that everyone cares about, and it is obvious, but the differences between them are not limited to these. Interested friends can study it in depth.
Young people prefer to use flowers.
According to the data of Ant Financial, the owner of Bai Hua, many Bai Hua users have never used credit cards, and almost all of them are post-90s. In fact, it's not that they don't like to use credit cards, but that as long as a mobile phone is equipped with Alipay and used every day, it will automatically open. The credit card is not. You applied for it on purpose. At the same time, you don't know that this thing is so easy to use without telling it.
Card God has something to say: From the above, we can know that flower beds and credit cards are incomparable, they are different, and I dare say that flower beds can never replace credit cards, because the regulatory authorities do not allow them, just as Alipay can never be a bank card. Now many friends like to deposit their money in the balance of Alipay, rather than in the bank card, but this is not allowed by the regulatory authorities.
"Well, this is my psychology; Yesterday, you ignored me, but today, I can't let you stand on top. " Ha ha ha, I'm just kidding. As for the credit card, I really wanted to apply for a credit card in the early days, especially in 20 13, because there were cinemas and many specific shopping malls where I could enjoy discounts. The most important thing is that I can return them this month and next month. It's really good; But I applied many times and refused!
Because I don't have enough education, because I don't have enough qualifications to work in the company, because ... many factors refused, I simply refused the application. Especially after I had a flower shop, I completely gave up the impulse to apply for a credit card. Many business people visit or call to ask if they want to apply for a credit card. I refused directly!
At present, the number of flower beds has increased from several hundred yuan to 20 thousand yuan, which at least meets my daily needs. Moreover, in recent years, a lot of consumption has basically been completed through Alipay payment and WeChat payment, so Alipay's flower buds can solve the urgent needs, and at the same time, they can be consumed through flower buds in time when problems arise. At least, don't worry about the phenomenon that you can't even afford to eat without money!
Therefore, the garden has created a lot of conveniences. Of course, it has played the role of a credit card in its basic functions, but there is definitely no exact answer as to whether it has the advantages of a credit card, because different banks have different credit card functions, different quotas and even different conditions, so naturally it is different in many consumption levels! Although the function of Hua Bai is very powerful, there are still some occasions that still support mainstream credit cards!
However, most of them still support flowers, because it is really convenient to use, at least you don't need to carry a card with you. As long as the requirements are met on the mobile phone, it is easy to open, unlike the credit card opening, which requires a lot of processes, and even needs to fill in the contact information of relatives, friends or parents to complete the processing! Therefore, according to the convenience, the treatment of flower buds is much more convenient!
Of course, in many physical stores and many shopping malls, flowers can basically be used, unless Alipay flowers are not supported in some occasions, there is no way! Not only that, but the most important thing is that online shopping can enjoy spending first and then paying, and even spend flowers in stages, which greatly enhances the value of flower beds. Not only can you enjoy discounts in physical stores with offline merchants, but you can also shop online, which undoubtedly increases his practicality!
Personally, I think flower beds are more humane than credit cards. As long as you maintain a good reputation, flower beds are very convenient.
What is the factual basis of your question?
As far as I know! According to my usual business contacts, many people use credit cards in real life! It is also used frequently for the following reasons!
First, credit cards have been issued. The earliest credit card was issued at 1985. Credit cards have been issued for 35 years. By the end of the third quarter of 20 18, the number of credit cards and debit-credit cards used nationwide was 659 million, up 3.36% from the previous month, with 0.47 credit cards per capita. The number of credit cards issued has exceeded 1 100 million, and the average adult young person has three credit cards. Therefore, the number of people opening flower beds is not as large as that of credit card holders.
Second: the credit card limit is relatively higher! The credit card limit can reach/kloc-0.0 million! While the highest in Bai Hua is only 50,000. The amount of flower buds is too low, and some of them are not needed even if they are opened, because the credit card amount is relatively high, and ordinary people have tens of thousands of credit cards.
Third: credit cards have points, more rights and interests, and you can enjoy a lower discount on installment fees, as low as 3% per month, while flowers are generally at least 6%. In particular, customers who use a lot of money enjoy more preferential discounts. The credit card is full! Has formed a stable source of tourists! And the flower buds are still growing rapidly.
Finally, it's not that the flowers are bad. Buds are also very popular among the public. For example, those who like to buy things online will use flowers conveniently. The appearance of flower buds has made many people who are not qualified to apply for credit cards like it.
Whether you use a flower shop or a credit card, it is very important to repay on time. It is very important to develop a good credit record for handling car loans, mortgages or other loans in the future.
The basic age of this idea is generally after 95. Because I am in the credit card industry, every time I push it, I will meet some post-95 ladies who say that I have flowers, so I don't need a credit card. It is convenient to spend money, and the money will be returned automatically. Credit cards are troublesome. In fact, it is their misunderstanding of credit cards [covering their faces]. The main reason is that they don't know credit cards!
The longest repayment date of Hua Bai is not as long as that of a credit card, so I prefer to use a credit card, but I will choose Hua Bai where I can't use a credit card.
Because there is more time for small consumption in daily life, there are actually different ways to use credit cards for large consumption:
1. The flower bed is used to pay for daily food purchase and meals. The amount of money spent on this occasion is small, and many people can afford it with flower beds, so some people say that many people use flower beds.
2. Credit cards are used for consumption, such as furniture, big items or gold jewelry. This kind of occasion is high consumption, and there are naturally many people who use credit cards. It can only be said that the use occasions are different.
If you compare the flower garden to WeChat payment, it will be more interesting! ~
Not easy to answer, don't spray if you don't like it, thank you for watching! ~