1, which is purchased by offline stores in installments.

Now many physical stores have cooperated with lending institutions to pay by installments. Users who don't have a credit card can ask the clerk if they support installment payment when buying an Apple mobile phone online. If yes, users can provide ID cards and bank cards and fill in relevant loan application materials to purchase an Apple mobile phone by installment. If the store does not support it, the user can go to a supported store. In-store installment payment, you need to ask the down payment and interest of installment.

2. The online platform is purchased by stages.

There are also many online shopping platforms that support the installment purchase of Apple phones, such as JD.COM, Tmall and Apple official website. In JD.COM Mall, you can buy an Apple mobile phone by installments with JD.COM Baitiao, and in Tmall Mall and Apple official website, you can buy an Apple mobile phone by installments with Bai Hua. On June18, Double Eleven and other event days, some businesses will have interest-free activities in installments, and Apple official website and Bai Hua have cooperation, which can be interest-free for up to 24 installments.

Step 3 apply for a purchase

If users don't have a credit card, the amount of white bars and flowers in JD.COM is not high, so they can't buy Apple mobile phones in installments, so they can apply for some credit loans to buy Apple mobile phones. Both WeChat and Alipay have credit loan products, and users can also apply in some consumer financial institutions. The threshold for applying for credit loans is generally low, and the loan amount is relatively high, so there is no need for mortgage, but it depends on the credit situation of users. If you want to apply for a loan, you must find a formal and reliable lending institution to apply, otherwise it will be easily cheated.

Can I buy a mobile phone in installments without a credit card?

Users can also buy mobile phones in installments without a credit card. If a user buys a mobile phone in a physical store online, the physical store will cooperate with consumer finance, and the user can apply for a consumer finance loan on the spot to buy a mobile phone in installments. Users buy mobile phones in online shopping malls, so they can buy them by installment, such as JD.COM Bai Hua and Baitiao.

Credit card processing conditions:

1. The applicant should be at least 18 years old.

Credit cards have age requirements for users. When the applicant applies for a credit card, the credit card center requires the applicant to be over 18 years old. If you are under 18 years old, it is impossible to apply for a credit card. The age of 18 is set mainly because people who have reached the age of 18 can bear corresponding legal responsibilities.

Second, the applicant should have a work unit and a stable income.

Credit cards require applicants to have a fixed work unit. When the applicant has a fixed work unit, it is possible for the applicant to obtain a relatively stable income, and only with income can he be able to repay the overdraft limit of the credit card. Therefore, the credit card center requires the applicant to have a fixed work unit, just to prove that the applicant has a certain repayment ability and the ability to repay the credit card arrears.

Third, the applicant's personal credit should meet the requirements of the credit card center.

To apply for a credit card, the applicant's personal credit information must meet the requirements of the credit card center. The credit card center will check the applicant's credit report when approving the credit card. If the applicant's credit report is maliciously overdue or overdue times exceed the requirements of the credit card center, the applicant's credit card will not be approved.

Fourth, the applicant should have a fixed residence.

When applying for a credit card, the credit card center requires the applicant to fill in the permanent residence, and it is required. The credit card center requires the applicant to fill in the fixed residence in order to find the applicant or send a lawyer's letter to the address when the applicant is overdue.

Scope of use of credit card:

1.POS card swiping: You can swipe your credit card in these businesses with a POS machine. But there are some limitations. For example, UnionPay card can only be swiped in China UnionPay channel, MasterCard can only be swiped in MasterCard channel, and VISA card can only be swiped in VISA channel.

2. Online payment: Credit cards can be used for online payment. Users can pay transactions through China UnionPay Express; You can also use credit card APP, mobile phone pocket banking and online banking to pay; Or you can also associate the credit card with a third-party platform for quick payment.

How can I buy a mobile phone in installments without a credit card? You can try these methods.

Many card friends have started the mode of buying mobile phones by stages, but some friends are very helpless. Because they don't have a credit card, but they don't have the full amount of money, they want to know if there are other channels to buy mobile phones by stages. This is also a fact.

In addition to credit card installment, there are many e-commerce platforms that can buy mobile phones in installments. For example, you can use Bai Hua installment payment on Taobao and JD.COM white strip installment payment on JD.COM. Here is a brief introduction to related matters.

1, Huayuan buys mobile phones by stages:

You can buy a mobile phone in stages in a store that supports flower consumption. There are two stages, one is to buy by stages, and the other is to choose the stage after the bill comes out. Flower buds can be divided into 3/6/ 12 periods, and the total handling fee for each period is RMB. It should be noted that if you buy a mobile phone by stages, your spending quota must be equal to or higher than the price of the mobile phone. If the amount is too low, the payment cannot be successful. We can only find ways to increase the amount of flowers, such as paying off the arrears first, or getting a temporary amount.

2.JD.COM Baitiao buys mobile phones in installments:

JD.COM Baitiao buys mobile phones by stages, just like Bai Hua, which is divided into two stages. Only when the amount of Baitiao is greater than or equal to the price of mobile phone prepayment can the purchase be successful. However, it is different from Baihua. If the amount of IOUs is insufficient, it can also be paid in combination with the bank card, that is, the amount of IOUs is deducted in JD.COM first, and then the insufficient amount is deducted from the savings card.

JD.COM Baitiao can buy mobile phones in 3/6/ 12 installments, and the handling fee for each installment is relatively cheap.

The above is the introduction of "How to buy a mobile phone by stages without a credit card", and I hope it will help everyone. Finally, I would like to remind you that no matter which of the above methods is used to buy mobile phones by stages, you must repay them on time, otherwise you may have a bad credit record after the deadline, which will have a certain impact on handling credit cards and loans in the future.

This is the end of the introduction of mobile phone installment without credit card, and which platform installment has no credit card. I wonder if you have found the information you need?