You don't have to use a credit card. Now there are JD.COM IOUs in JD.COM that can be paid in installments. JD。 COM's own limit does not occupy your credit card limit, and it will be deducted from your credit card for repayment every month; Tmall can also be staged. At present, if you want to use Tmall, you can directly use the credit card in stages and occupy the credit card quota. Second, you can freeze the corresponding amount in Yu 'ebao and repay in installments.

1. Buying a mobile phone by stages with a credit card can really meet the purchase needs of card friends and solve the urgent needs at present. However, do you need a credit card to buy a mobile phone in installments? No, you can buy a mobile phone by stages in many ways, and you don't have to use a credit card.

It is nothing new to buy a mobile phone by installment. It is one of the common ways to buy a mobile phone by credit card installment, but it does not mean that you can only buy a mobile phone by credit card installment. At present, some companies in the mall offer installment payment, such as Gitzo installment, and you can apply with your ID card. In addition, online JD.COM has a white installment, and Tmall also has a credit line, so you can buy your favorite mobile phone in installments.

3. Moreover, mobile phone stores in major cities will make use of holidays to play promotional cards in the school season. The biggest promotion highlight every year is that you can pay by installments without a credit card. If you don't have a credit card to buy a mobile phone in installments, the minimum down payment is 20%, and the daily interest rate is one thousandth. It can be repaid in installments of 9 months, 12 months and 15 months. You can provide your ID card and savings card on the spot and fill out the loan application form.

Using credit card installment payment requires that you have a credit card with sufficient amount. After buying a mobile phone with a credit card, you can call or send a text message directly to the bank to complete the installment. Credit card installment does not charge interest, but there is a certain handling fee. The longer the installment period, the longer the handling fee the borrower needs to pay.

4. When buying a mobile phone in a mobile phone brand store, there will be some cooperative loan companies that can handle the installment business. Generally, the staging conditions are relatively simple. You can apply for a loan as long as you provide bank cards, household registration books, income certificates, social security cards and other personal identification certificates or assets certificates. After buying a mobile phone by stages in this way, the cost will be slightly higher than that of a credit card by stages, but it will be less troublesome and the threshold will be slightly lower.