How to pay in installments for iPhone
1. Credit card. Credit cards of China Merchants Bank, China Construction Bank and Industrial and Commercial Bank of China can enjoy 24-month interest-free installments. Purchases of products using debit cards cannot enjoy installment payment services. The iPhone installment payment section on Apple's official website belongs to credit card installments, and CCB savings card installments cannot be used.
2. There are four financial institutions *** that cooperate with Apple, namely Huabei Financing, China Merchants Bank, China Construction Bank and Industrial and Commercial Bank of China. Installment payment can be used as long as the purchase of goods is greater than or equal to 500 yuan. Among them, Huabei supports 3, 6, and 12 interest-free installments.
3. Both China Merchants Bank and China Construction Bank support interest-free installments of 1, 3, 6, 12 and 24 months. Industrial and Commercial Bank of China supports interest-free installments of 3, 6, 12 and 24 months. Apple Store Online Store, interest-free installment is available on all Apple product purchases.
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1. Deposit card: The main function is to deposit savings. Cardholders use the electronic payment network established by the bank and the magnetic stripe reading and manual password input of the card. Functions such as card swiping consumption, ATM cash withdrawals, transfers, and various types of payments can be realized. Expenses paid through the card are equal to the reduction in the balance of the savings account. The account balance is zero and the card's payment function is reduced to zero.
2. Credit card: Credit card has all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.
There are different application methods:
1. Debit card: Go to any bank branch with your valid ID. A current account must be opened first. The account balance must not be less than 10 yuan. Accounts that do not draw money based on seals. Accounts that are not reported lost or frozen, and the account status is normal.
2. Credit card: The application method is generally to fill in the credit card application form and submit certain copies of documents and certificates to the card issuing bank. After receiving the application form and relevant materials from the applicant, the card-issuing bank will review the applicant's creditworthiness. After the applicant successfully applies for a credit card, the card-issuing bank will open a separate credit card account for the cardholder at the card-issuing bank.
Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.
Operating environment: Apple 12iOS14, Alipay 10.0.36.9000 How is Apple installment payment?
When it comes to Apple mobile phones, many people will choose to pay in installments. First, consider the full payment. Secondly, the price is interest-free, so why not? So, how does Apple installment payment work? Just knowing that Apple can pay in installments is not enough. It is best to have the installment conditions and installment process so that you can have a rough idea. Next, we can take a look together.
1. Conditions for Apple installment payment 1. Adults over 18 years old, able to provide valid ID cards; 2. Good personal credit, no overdue or other bad records on the credit report; 3. Have a stable credit record A source of work income that can be repaid in installments on time; 4. Have a normally used credit card in your name or have opened Alipay Huabei. Because Apple installment payment is related to credit payment, you must have the above credit conditions, repayment ability, and credit payment tools to complete the installment.
2. How is Apple’s installment payment calculated?
1. Installment period Alipay Huabei installment, Apple’s official website supports three options of 3 months, 6 months, and 12 months, and the installment is interest-free; credit card installments of China Merchants Bank, China Construction Bank and Industrial and Commercial Bank of China , Apple’s official website supports interest-free installments with a minimum of 1 month and a maximum of 24 months.
2. The installment process can be explained online, taking Apple’s official website as an example: Purchase an iPhone - add to shopping bag - continue to checkout - enter credit card details or scan the QR code - select a specific installment Period - Confirm the installment, enter the relevant password, complete the payment, and the order will be shipped. Starting from the next month, repayment will be in monthly installments. The above is the relevant content about "How Apple installment payment is divided into installments". I hope it can be helpful to you. How to pay for iPhone in installments
Yes, iPhone installment payment requires a credit card.
1. Installment payment on Apple’s official website uses credit cards, not debit cards. However, installment payments can only be made if the credit card limit can be paid in full. At the same time, the installment payment on Apple’s official website also supports fancy installment payments. After the application is successful, the bank will automatically deduct the money regularly. Users only need to pay their credit card bills on time.
2. Installment purchases on Apple’s official website require a credit card, because only credit cards can be used for installment purchases. The debit card is for full payment and does not have an installment feature. In addition, when purchasing Apple products, you do not have to purchase them on the official website. You can also buy on JD.com, Tmall, Taobao and other platforms. In addition, JD.com can use JD Baitiao to pay in installments, and Tmall and Taobao can use Huabai to pay in installments without a credit card. Note that when purchasing Apple products in installments on JD.com, Taobao and other platforms, you need to have sufficient funds. For example, if you purchase 8000 items, your amount needs to be 8000 or above. One time deduction and repayment in installments.
1) Installment payment is a transaction payment method commonly used by modern people. Many times, we want to buy a product or enjoy a service, but we don't have enough money for the time being. We can transfer the payment pressure to later stages by paying in installments. First, we should determine the amount of funds we need. If you need a small amount of money, you can choose some loan platforms with lower amounts. If you need more funds, you can focus on platforms with higher loan amounts. Secondly, we should also consider the number of installments we want. Currently, the repayment period of most loan platforms on the market is 3 months to 3 years. The most important point is that we should choose some formal big brands. The loan products launched by formal platforms will be more reliable and formal.
2) If you use a credit card for installment payment on Apple's official website, the system will deduct the payment amount of the Apple phone from the available credit card limit in one go. After that, users can repay on time according to the number of installments. In addition, Apple’s official website has a cooperative relationship with China Merchants Bank. Pay by installment directly with China Merchants Bank and enjoy interest-free discounts. If you pay by other methods, you need to pay the entire amount in one go. There is no interest-free period, and you must pay in real time on Apple's official website.