Not required. When purchasing a mobile phone in the Apple Store, you can choose credit card installment or Huabei installment. "Credit card installment" means dividing the purchase amount into several installments, and paying a portion of the amount in each installment until the entire payment is completed, while "Huabei installment" is Alipay An installment payment method introduced, similar to credit card installment, so when purchasing a mobile phone in the Apple Store, it is not necessary to use a credit card for installment payment.