At present, in Apple official website, there are three banks whose credit cards can buy Apple products and support 24 interest-free installments, namely China Merchants Bank, China Construction Bank and Industrial and Commercial Bank of China (of course, if you have the credit cards of these three banks). In addition, Bai Hua supports 12 interest-free installment payment.
I am not interested in how to buy products in official website;
1. Log in to Apple (China) official website, select the product "iphone" and click "Buy".
2. In the iphone product interface, select the model, specification and color of the purchased product. For example, this black iPhone 12, 128GB costs 6799.
3, here will be a very intimate reminder, you can choose to pay 6799 at a time, or 283 yuan per month in 24 installments.
4. Choose Next. You can log in to "Apple ID" according to the system prompt or choose to log in as a tourist.
5. Fill in the delivery address and contact information according to the system requirements.
6. After completing the form, select the delivery time, and then click "Continue to select the payment method" below.
7. Payment can be made by installments. You can choose any one of investment promotion, construction and industry and commerce in the installment plan and enjoy 24 interest-free installments.
Why are credit cards willing to let users pay interest-free installments in Bai Piao?
This is about what credit cards make money. Bank credit cards mainly make money in the following places.
1, annual fee
Nowadays, the competition in the credit card market is fierce, so most banks' credit cards will reduce the handling fee according to the total amount or the number of swipes, and this income is getting less and less.
2. Credit card processing fee
Credit card fee deduction is mainly borne by the issuing bank, UnionPay and the acquiring bank, and the issuing bank will charge 0.36%~0.48%, which will benefit a lot.
Step 3: Interest
High interest will be charged for overdue repayment, generally 0.05%/ day, with daily interest and monthly compound interest.
4. Fees for installment payment procedures
When the cardholder repays the loan by installment, he needs to pay a certain installment fee. It is also the main way to make money.
5. Other income
Such as cash withdrawal fee, loss reporting fee, SMS function fee and so on.
Then go back to Apple's product credit card free installment. There are several main reasons why they make money:
1. Get customers, especially quality young customers.
Credit card allows customers to buy 24 issues of Apple products for free with bank money, and more hope to get more young customers through this function. The biggest feature of young customers is that they are easy to spend in advance. Although the bank didn't charge you a handling fee when you bought this apple product and lent you 24 installments for free, sooner or later you will use other installment services charged by the bank.
2. Increase the transaction volume of customers' credit cards and improve the conversion rate of future interest and installment fees.
There is a famous person in the credit card industry. If a customer repays more than 5,000 yuan a month, the probability of customer bill installment will greatly increase. Simply put, the more you spend, the greater the monthly repayment pressure, the greater the probability that you will pay the bank in installments, and the greater the probability that the bank will make money from you.
Then, from the bank's point of view, that is, within the scope of risk acceptance, increase your monthly repayment bill as much as possible by various methods, and then the probability of paying to the bank will be greatly increased.
3. Credit card is not completely unprofitable.
As long as you swipe your credit card, the issuing bank of the credit card will charge a handling fee of 0.36%~0.48% for you to buy Apple products without interest. Although credit cards are interest-free, you still have to swipe your card.