As a China Merchants Bank credit card holder, you can of course purchase the smartphone you have ordered in installments. This has little to do with the geographical location of the holder. Of course, the coordinates are better in Tianjin. There are more places to buy in big cities, and express delivery is more convenient and faster. And there are many channels for you to purchase installments:

1. Cardholders can purchase installments online in the online shopping mall set up by China Merchants Bank. The bank has a dedicated Apple section pointing to the official website; 2. Cardholders can Purchase online in installments at other websites that specialize in electronic goods that cooperate with China Merchants Bank; 3. Cardholders can also go to some physical stores and choose to purchase in installments directly on the spot. In short, you can make a reasonable choice based on your own situation.