A credit card is not required. According to a query on Apple's official website, the online Apple official website supports four installment channels: Huabei, China Merchants Bank, China Construction Bank, and Industrial and Commercial Bank of China. Users who do not have a credit card or do not want to use a credit card can choose Huabei for installment. Apple is about exploring Apple's innovative world, shopping for a variety of iPhones, iPads, Apple Watches and Macs, browsing various accessories and entertainment products, and getting expert support services for related products.