you must first make sure that this bank card has at least a credit limit of the price of the mobile phone before you can buy the mobile phone by installment. This is the step of buying the mobile phone by installment: (Take JD.COM Mall as an example)

1. Find a mobile phone you want to buy and select "installment";

2. At this time, a small window will pop up, indicating the three credit card installments supported by JD.COM Mall, and select "Apply for credit card installment";

3. confirm the order installment information;

4. confirm the installment information, and choose to pay off in 3, 6 or 12 installments. According to your actual income, choose "save installment information" after you choose it.

5. submit the order information. The interest to be repaid by installment is listed above, and the less the installment, the less the interest.

6. after the order is submitted, confirm the installment information. JD.COM needs manual telephone consultation for staging information.

I suggest that if you don't have enough repayment ability, you should be cautious about buying mobile phones by installments, because after all, it will generate interest, so it is better to buy them directly.