How can we make consumer choose consumption credit tool

This paper focuses on how to encourage people to consume more and save less by choosing to use more consumption credit tools. In this paper, I mainly test the prevailing strategy used by those super-sized companies, which includes simplifying the bill, giving consumers a discount, and a mixed strategy combining both of these strategies. The reason I chose these two treatments is based on the information I collected from the comments of people about the current credit tools in the social media. I take the form of an online questionnaire with the data from Questionstar, and I use logistic regression to deal with it to measure which treatment works.