You don’t have to use a credit card. Now Jingdong has Jingdong Baitiao to pay in installments. Jingdong’s own limit does not occupy your credit card limit and will deduct your credit card repayment every month; Tmall can also pay in installments. Currently, I want to To use Tmall installment payment, you can directly use your credit card to make installment payment and occupy the credit card limit. Second, you can freeze the corresponding limit in Yu'e Bao and repay in installments.

1. Buying a mobile phone by installment payment with a credit card can indeed satisfy the card's needs. It can meet the purchasing needs of friends and solve temporary emergencies. However, is a credit card necessary to buy a mobile phone in installments? No, you can buy a mobile phone in installments through various ways, and you don’t necessarily need to use a credit card.

2. Buying a mobile phone in installments is nothing new. Using a credit card to buy a mobile phone in installments is one of the most common purchasing methods, but it does not mean that you can only use a credit card to buy a mobile phone in installments. Nowadays, there are some companies in the mall that provide installment payment, such as Home Credit Installment. You can apply for it with your ID card. In addition, on the Internet, JD.com has Baitiao Installment, and Tmall also has a credit limit that allows you to purchase your favorite mobile phone in installments.

3. Moreover, major mobile phone stores in various cities will take advantage of the holidays and the back-to-school season to launch promotions. The biggest promotional highlight every year: the ability to pay in installments without a credit card. If you don’t have a credit card, you can buy a mobile phone in installments. The minimum down payment is 20%, and the daily interest rate is one thousandth. You can repay it in installments of 9 months, 12 months, or 15 months. You must provide your ID card and savings card on site and fill out a loan application form. That’s it.

To use credit card installment, you need to have a credit card with sufficient amount. After swiping your credit card to purchase a mobile phone, you can directly call or send a text message to the bank to complete the installment. There is no interest fee for credit card installment, but there is a certain handling fee. The longer the installment period, the longer the handling fee the borrower will need to pay.

4. When you go to a mobile phone brand store to buy a mobile phone, there will be some cooperative loan companies that can handle installment business. Generally, the installment conditions are relatively simple. As long as you provide personal identity certificate and other identity certificates such as bank card, household register, income certificate, social security card, or asset certificate, you can apply for a loan. After purchasing mobile phone installments in this way, the cost will be slightly higher than the credit card installments, but it is not so troublesome and the threshold is slightly lower.