Taobao offers 24 interest-free installments with credit cards. Taobao can use credit cards for installment payments. Credit card installment payments only have handling fees and no interest.
For Taobao credit card installment payment, the additional fees are included in the handling fee, and then averaged into the repayment due in each installment. That is to say, the repayments in each period indicated by the installment payment already include all fees. It is not necessary to use a credit card for installment payment on Taobao. You can also use Taobao Yu'e Bao for installment payment.
About Taobao installment payment process:
1. First check the installment qualification. On the product details page, log in to your Taobao account to check whether you are eligible for installment.
2. If the user's consumption limit is sufficient, directly select installments 3, 6, and 9, and then click "Buy in Installments" to place an order; if the consumption limit is insufficient, some users can freeze the amount of Yu'e Bao to make installments, and select After the 3/6/9 issue, click "Buy in Installments" to place an order.
3. If you need to transfer enough Yu'E Bao amount to use Tmall installment: After ensuring the Yu'E Bao amount, select the number of installments and click "Instalment Purchase".
4. If Tmall installment is temporarily unavailable, users can enjoy Tmall installment service after opening Yu'E Bao and transferring the amount to Yu'E Bao.
5. Click "Buy by Installment" on the baby details page and then enter the order page. Click "Submit Installment Purchase Order". After confirming the personal information, the installment will be successful.
There are generally two types of interest-free period settings. One is that the bank clearly stipulates a certain day of each month as the interest-free repayment deadline. The interest-free period is the date between the bank accounting date and the deadline. , both ICBC and Agricultural Bank of China use this method; the other method is for the cardholder to choose a billing date according to needs, and then set the latest repayment date based on the billing date, then the interest-free period is from the bank's accounting date to the latest The date between the repayment dates, such as China Construction Bank and Minsheng Bank.
Tips for using Taobao:
When purchasing products on Taobao, don’t just see the beautiful photos on the product details page. These are basically carefully processed by the merchants. Now Taobao sellers can’t do without art, so you have to read the product reviews.