The following data is as of October. If there is any change, please refer to the latest notice from the bank.

As you can see, when purchasing iPhone 6s in three installments, Agricultural Bank of China and China Merchants Bank credit cards are the most cost-effective, with zero handling fees. For those who charge handling fees, ICBC is the lowest in terms of total handling fee amount.

If you purchase iPhone 6s in 6 installments, all banks will charge installment fees. Judging from the total handling fee amount, ICBC 95 is the lowest and most cost-effective, followed by Agricultural Bank of China, and China Merchants Bank third.

Some banks do not support 9-instalment payment, and banks that support 9-instalment payment require installment handling fees. Judging from the total handling fee amount, the two most cost-effective banks are: Industrial and Commercial Bank of China and Bank of China. The installment handling fees of other banks are more than 300.

13 banks all support credit card installments in 12 installments, and all require installment fees. Judging from the total handling fee amount, the three most cost-effective banks are: Industrial and Commercial Bank of China, China Merchants Bank, and Agricultural Bank of China. The installment handling fees of other banks are mostly more than 400 yuan.

Most of the 13 banks support credit card installments in 18 installments, and all require installment handling fees. From the perspective of the total handling fee amount, the two most cost-effective banks are: Industrial and Commercial Bank of China and China Merchants Bank. The installment handling fees of other banks are mostly 600 to 700 yuan.

Most of the 13 banks support credit card installments in 24 installments, and all require installment handling fees. Judging from the total handling fee amount, the three most cost-effective banks are: Industrial and Commercial Bank of China, China Merchants Bank, and Agricultural Bank of China. The installment handling fees of other banks are mostly 800 to 900 yuan.

It can be seen that when buying iPhone 6s in installments, China Merchants Bank, Agricultural Bank of China, and ICBC are the most cost-effective.