You don’t need a credit card.

How to install installments without a credit card

1. Major mobile phone stores in various cities will take advantage of the holidays and the back-to-school season to launch promotions. The biggest promotional highlight every year: the ability to pay in 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 1/1000. You can repay it in installments of 9 months, 12 months, or 15 months. You need to provide your ID card and savings card on site and fill out a loan application form. Can.

2. You can try Tmall’s installment purchase. Tmall's "Instalment Purchase" calculates the credit limit based on the consumption data of real-name users. If the credit limit meets the standards, you can directly handle the installment purchase. If the credit limit is insufficient, you need to increase the credit limit by freezing the Yu'e Bao amount. In addition to installment purchases on Tmall, you can also go to JD Mall to purchase via JD Baitiao. Purchase in installments on JD.com, and you can purchase up to 12 installments. The current rate for JD Baitiao is 1.5 for the 3rd period and 6 for the 12th period.

Processing process:

Have an account on JD.com or Tmall and activate the permissions for installments and IOUs.

When paying, you can use JD Baitiao, Tmall installment purchase and other methods to purchase.