We can see the introduction of free installment payment on Apple's online store official website; At present, the banks that support credit card installment payment include ICBC and China Merchants Bank. It can be seen that as long as it is divided into no more than 12 installments, it is free of charge; If you want to pay by installment, you can consider buying it directly at Apple official website.
2. List of credit card installment discounts
Option 1: At least 5% and up to 1% cash back from Agricultural Bank of China, with a card free of currency conversion fee (Youyou World Card, you can apply online).
Option 2: 1% cash back from Shanghai Bank overseas, but the maximum cash back is 5 US dollars, and the maximum is 15 US dollars per customer, so you can buy up to 3 sets and brush them three times. According to the average of 5, sets, it can reach about 6.1%, but the freight forwarding fee is about 1%, so it is equivalent to 5% rebate.
option 3: citic unionpay card will return 2 yuan when it is over 5 yuan, with 4% rebate.
you can buy two sets with a ceiling of 4 per month, and the exchange rate of hk is basically the same as that of M.
option 4: 5% rebate for citic Visa card (excluding all-currency card) from hong kong, Macao and Taiwan. Cap it at $1, and buy two iphone6, but CITIC V card has a currency conversion fee of 1.5%, which is equal to the actual rebate of 3.5%, so if the price exceeds 58, it will completely win the CITIC UnionPay card activity.
option 5: BOC unionpay card will be returned to 1 when it is over 8, with a rebate of about 2%, and only once.
option 6: 2%-6% cash back for Minsheng Visa card. if you buy an iphone, it will be 3% at most, which is actually equal to 1.5% rebate when counting the 1.5% transfer of Minsheng goods.
Option 7: ICBC will return to 5 yuan after 5, yuan, 1%, less is better than nothing.
3. credit card installment comparison
the price of the hong kong version is RMB 4,424 for iPhone6.
It can be seen that Huaxia Bank has the lowest total interest handling fee, followed by Industrial and Commercial Bank of China, Bank of Beijing and Agricultural Bank. China Merchants Bank, China Everbright Bank and Minsheng Bank have the highest total interest.
By comparing six periods, we can see that Huaxia Bank is the lowest, followed by Bank of China, Agricultural Bank of China, ICBC and Beijing. The highest is Shanghai Pudong Development Bank.
By comparing 12 installments, we can see that Huaxia Bank has the lowest installment total interest, while Shanghai Pudong Development Bank has the highest.
You don't have to sell your kidney to buy a mobile phone. You can save yourself a sum of money by using your credit card reasonably and paying by installments through Apple officials or operators, and cleverly choosing the most favorable payment method.