No need. Of course, you can still apply by phone.

Conditions for application for installment payment:

Swipe the card for consumption within the credit limit, and the single transaction exceeds 1,500 yuan. As long as it is not a house, car, tuition, hospital, or government consumption, the card can be swiped. Call to apply for installment within two days after consumption and three days before the final repayment date.

1. The credit limit must be fully occupied for installments, which means that your card must first be able to withdraw the money, and then you can make installments

2. There are no other conditions for application, as long as it is not the above For the consumption type mentioned, you can buy anything

3. Handling fee:

Card amount: 1500-6500: 0.75

6500-12500: 0.7

Greater than or equal to 12500: 0.68

The principal plus handling fee will be charged every month

4, the number of periods: can be divided into 6, 9, 12, Issues 18 and 24

There are currently activities, which will be divided into installments from May 15th to August 15th. 1 principal will be returned in the 12th issue, 2 principal will be returned in the 18th issue, and 3 principal will be returned in the 24th issue ( An additional 20% personal income tax will be deducted from the total refund amount), and a one-time refund will be made on the second installment of the bill after successful installment. The refund amount can be counted as repayment

5. Once the installment is determined, it cannot be changed. , if you want to cancel in advance, you must pay the remaining handling fee and principal of each period in one go

6. Use the credit limit in installments, return one amount, and restore the credit limit

7. If the installment amount is calculated as points, the points obtained after the installment is successful will be deducted from the account first, and then one amount will be repaid and then another amount of points will be given