First, deposit money into the credit card according to the credit card bill.

Credit card installment payment refers to the process that the bank pays the consumer funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum when the cardholder uses the credit card to make a large amount of consumption, and then the cardholder repays the money to the bank in installments. According to the cardholder's application, the bank deducts the consumption funds by stages through the cardholder's credit card account, and the cardholder repays according to the monthly amount. In other words, we have to return the credit card directly.

1, the mobile phone, like other items, is sent to you together with the bill of the current month according to the number of installments, which means repayment should be made on the repayment date of each month. If the repayment is made before the final repayment date, it will also be overdue, and interest of one ten thousandth will be charged for the unpaid part.

2. After the cardholder successfully applies for bill installment payment, the principal of bill installment payment will be fully included in the used credit line; Recover the available credit line according to the cardholder's repayment amount in each installment.

3. The installment principal and monthly handling fee of the bill installment will be fully included in the current minimum repayment amount. When the cardholder repays, the repayment of this business is better than general consumption.

Second, the relevant content of purchasing mobile phones by stages

1. Buy the mobile phone by credit card in installments, and enter it into the current bill. After the bill comes out, the installment principal and handling fee are included in the credit card repayment amount, and then the repayment is made on the final repayment date. But there are two ways of credit card installment, and the repayment time is different.

2. Some mobile phones were purchased in installments at that time, so the amount of repayment in each installment will be included in the current bill and must be repaid in the current period. Moreover, some people use credit cards to buy mobile phones, but they will pay in installments after the credit card bill comes out, so they will pay in installments after the next billing date comes out.

3. the repayment method of buying a mobile phone by credit card in installments is the same as that after using a credit card at ordinary times. You can transfer money through mobile banking and third-party payment platforms. You can also deposit money directly at the counter or ATM for repayment. After the repayment is successful, part of the quota will be restored.

How to buy a mobile phone by credit card installment

You don't have to use a credit card. Now there are JD.COM IOUs in JD.COM that can be paid in installments. JD。 COM's own limit does not occupy your credit card limit, and it will be deducted from your credit card for repayment every month; Tmall can also be staged. At present, if you want to use Tmall, you can directly use the credit card in stages and occupy the credit card quota. Second, you can freeze the corresponding amount in Yu 'ebao and repay in installments.

1. Buying a mobile phone by stages with a credit card can really meet the purchase needs of card friends and solve the urgent needs at present. However, do you need a credit card to buy a mobile phone in installments? No, you can buy a mobile phone by stages in many ways, and you don't have to use a credit card.

It is nothing new to buy a mobile phone by installment. It is one of the common ways to buy a mobile phone by credit card installment, but it does not mean that you can only buy a mobile phone by credit card installment. At present, some companies in the mall offer installment payment, such as Gitzo installment, and you can apply with your ID card. In addition, online JD.COM has a white installment, and Tmall also has a credit line, so you can buy your favorite mobile phone in installments.

3. Moreover, mobile phone stores in major cities will make use of holidays to play promotional cards in the school season. The biggest promotion highlight every year is that you can pay by installments without a credit card. If you don't have a credit card to buy a mobile phone in installments, the minimum down payment is 20%, and the daily interest rate is one thousandth. It can be repaid in installments of 9 months, 12 months and 15 months. You can provide your ID card and savings card on the spot and fill out the loan application form.

Using credit card installment payment requires that you have a credit card with sufficient amount. After buying a mobile phone with a credit card, you can call or send a text message directly to the bank to complete the installment. Credit card installment does not charge interest, but there is a certain handling fee. The longer the installment period, the longer the handling fee the borrower needs to pay.

4. When buying a mobile phone in a mobile phone brand store, there will be some cooperative loan companies that can handle the installment business. Generally, the staging conditions are relatively simple. You can apply for a loan as long as you provide bank cards, household registration books, income certificates, social security cards and other personal identification certificates or assets certificates. After buying a mobile phone by stages in this way, the cost will be slightly higher than that of a credit card by stages, but it will be less troublesome and the threshold will be slightly lower.

The process of buying a mobile phone by credit card installment.

In fact, if you want to buy a mobile phone by installment, you must first have a credit card that supports installment payment and a seller platform that supports installment payment conditions, so that you can buy a mobile phone by installment with a credit card. However, when buying a mobile phone by installment with a credit card, the current available credit card amount must be greater than the price of the mobile phone, otherwise the payment will fail. Now, the operation process of buying a mobile phone by credit card in installments is as follows:

1. Enter the intentional mobile phone purchase interface;

2. Click to buy;

3. Select the credit card to be paid, and click to purchase by installment (there are two options: installment for 6 months and 12 months);

4. Select the number of issues you want, click OK and enter the password.

After credit card installment shopping, as long as the normal repayment does not affect the cardholder's credit information, the occasional use of installment has a good effect on increasing the credit card limit, but the credit card installment will occupy the credit card credit limit, and the user will restore the credit limit accordingly every time he repays the installment.

Operating environment: iphone1115.0 Taobao v 10.5.0.

Under the background of tight credit scale, consumer loans can not be met, and the interest rate of consumer loans has been greatly increased. However, because the credit card installment business is relatively less affected by supervision, some borrowers use credit cards to solve their urgent needs.

"Credit card installment payment", in layman's terms, is a kind of consumption mode in which consumers make repayment plans according to their own wishes when they buy goods with a bank credit card, divide the total price of goods into several periods, and pay the same amount of goods payable in the current period to the bank every month until the total price of goods is paid off. In essence, it is a personal consumption credit provided by banks for credit card customers. Take automobile installment payment as an example, the cardholder needs to have a legal occupation, a legally stable income, the ability to repay on time, the proportion of income repayment not exceeding 50%, and no bad credit record. The guarantee method is "full mortgage guarantee", and the maximum installment cannot exceed 80% of the price of the purchased vehicle. This form is more flexible and convenient than ordinary consumer loans, allowing cardholders to enjoy consumption in advance and solve problems.

Buy a mobile phone by credit card installment

How to buy a mobile phone by credit card installment?

Take the credit card of Shanghai Pudong Development Bank as an example to explain the process of buying a mobile phone by credit card in stages.

1, log on to Taobao, choose your favorite products and buy them immediately;

2. Click Buy to display the purchase method and select credit card installment payment;

3. After clicking the installment, select the credit card of Shanghai Pudong Development Bank and select "Apply for credit card installment";

4. After selecting a bank, click Pay, and the system will send the mobile phone verification information and fill in the verification code;

5. Submit the verification code and complete the order;

6. After purchasing the product, call the customer service phone of the bank where the credit card is located the next day or within one week, choose installment payment and complete the transaction.

Some shopping malls also support credit card installment payment. You can directly consult the person in charge of the mall. You can also purchase your mobile phone in installments through a credit card in official website, or purchase it through a credit card in official website.

Is it cost-effective to buy a mobile phone in installments for credit card consumption?

The handling fee rate of credit card installment consumption varies from bank to bank. However, the handling fee rate of credit card consumption installment in most banks is lower than that of credit card bill installment. For example, ABC's credit card bill is divided into stages, and the handling fee rate for each stage is 0.6%. If ABC's credit card bill is divided into 12 installments, the credit card installment fee rate to be paid is 7.2%. If the credit card consumption of ABC is phased, the handling fee rate of 12 is 5.5%, which is much cheaper.

If the cardholder must choose to buy the mobile phone in installments, then it is more cost-effective to choose credit card installment. Of course, different banks charge different fees, depending on the specific analysis of banks. Credit card installment reduces the temporary payment pressure, but it needs to pay the corresponding handling fee. For the money that can be paid in one lump sum, it is best not to pay by installment. Moreover, once you forget to pay in installments, the handling fee will double and the accumulated credit will be bad.

Let's talk about how to buy a mobile phone by credit card installment.