Flowers and credit cards, both of these overdrafts, are familiar. But which is better? Then let's talk about their particulars and help you choose better。

Which one are the flowers and credit cards? You'll see how to choose

Functionally, both flowers and credit cards support overdraft consumption, but credit cards have the advantage of being available. That means that when you need cash, credit cards need to be more flexible。

On the other hand, the maximum amount spent is generally $50,000, and most users can reach only about $10,000. And there's no fixed ceiling on credit cards, so long as your qualifications are good enough, credit cards can be up to millions. So if you have a higher demand, credit cards may be a better option. Of course, the threshold for applying for credit cards is also higher, as compared to the easier to open flowers as long as your sesame credit score is not less than 600, which is better suited to the general qualification。

In the form of repayment, it offers a wide range of options, in addition to a minimum and amortization, as well as a deferred repayment service that can be adapted to the capacity of a larger number of users to pay. Credit cards, on the other hand, are relatively single, mostly with minimal and instalments。

In addition, credit cards often benefit from a variety of preferential activities introduced by banks when they are consumed, which is not available in terms of flowers. From this point of view, users who frequently use overdraft consumption may benefit more from credit cards。

Finally, the needs of each individual are different, as are the products that are appropriate. In fact, flowers and credit cards can be used in parallel, so that they not only meet the demand for overdraft consumption, but also allow flexibility in the use of different scenarios。