The Huawei P30 series is on the market, and many cardholders will use credit cards to purchase it in installments when they have no money. However, some cardholders do not have enough credit card limits, and transactions may fail during installments. Therefore, many cardholders want to know how to charge for installment purchases of mobile phones with credit cards. Do they have to pay the full amount at once? Let’s discuss it below.

Is it a one-time deduction when buying a mobile phone in installments with a credit card? In fact, regarding this issue, many cardholders have a misunderstanding that they use credit cards to pay merchants in installments, but in fact this is not the case. When you buy a mobile phone in installments with a credit card, the bank first helps you pay the money to buy the mobile phone to the merchant, and then lets you repay it in installments. Therefore, credit card installment ≠ credit card payment, but refers to credit card installment payment. Therefore, the money for purchasing the mobile phone will be deducted directly from your credit card limit in one go. For example, if you want to use your credit card to buy a Huawei P30 worth 3988 yuan in 6 installments, it does not mean that the bank will deduct 3988 yuan from your credit card limit every month to the merchant; rather, the bank will deduct 3988 yuan from your credit card limit at once. Then you repay the money to the credit card every month. However, since a one-time deduction is required when purchasing a mobile phone in installments with a credit card, the current available limit of the cardholder's credit card must be ≥ the price of the mobile phone. Otherwise, if the deduction fails, the transaction will fail. You only have to deposit money into the credit card first, and when the deposited amount + credit card available limit ≥ mobile phone price, you can successfully swipe the card. After swiping the card for consumption, the bank will automatically amortize the credit card limit. The above is the relevant introduction to "If you buy a mobile phone in installments with a credit card, the full payment will be deducted at once?" I hope it will be helpful to everyone. All in all, if you buy a mobile phone in installments with a credit card, the full amount will be deducted at once. If the credit card's available limit is not enough, you can deposit money into the credit card and then spend it as mentioned above. If you don't have money, you can try to apply for an increase in the limit from the bank.