Apple official website provides installment payment function, in which credit cards of China Merchants Bank, China Construction Bank and Industrial and Commercial Bank can enjoy 24 months interest-free installment discount. You can only enjoy the interest-free discount for 3, 6, 12 months when you use the flower buds. The following are the conditions that China Merchants Bank, China Construction Bank and Industrial and Commercial Bank need to meet in credit card installment and flower bud installment:

1, credit card installment payment

(1) No credit card.

① Users need to be 18 years old or older, and the maximum age is not more than 60 years old, and they have full capacity for civil conduct before they can apply for a credit card and pass the credit card approval.

(2) Users need good credit information, and there is no bad credit record in the credit information.

③ The user's debt ratio should be moderate, and there is no more debt at present.

④ Users need a stable and legal income source to ensure that they can repay their credit card debts on time. At the same time, users need to have a stable job, and a stable job means that users have a stable income.

⑤ To apply for high-end credit cards, such as Platinum Credit Cards, users also need to meet other conditions of the issuing bank.

(2) Have a credit card

① The minimum installment amount is 1000, and the installment amount must be greater than or equal to 1000.

② The credit card is in a normal state and cannot be in a state of risk control, freezing or payment suspension.

③ The credit card has sufficient available credit line, and the available credit line is greater than or equal to the payment line.

2. Layout of flower beds

(1) No flowers.

① User 18 years old and above, Chinese mainland Alipay real-name authentication user.

② The mobile phone number bound to Alipay account must be used for more than 6 months.

③ Alipay account status is normal.

4 people have good credit, such as sesame credit score above 600.

⑤ AliPay account is bound with a normal bank card.

(2) There are flowers

① The minimum installment amount is 1000, and the installment amount must be greater than or equal to 1000.

② The status of Huayuan account is normal, and the borrowing function is not restricted.

(3) The available amount of flower buds is sufficient, and the available amount is greater than or equal to the payment amount.

Apple official website installment can only be paid by credit card, but users without credit card can use Bai Hua installment, but Bai Hua does not support 24 installments. Because Apple official website provides interest-free installment, no matter whether users use credit cards or spend money in installments, after the installment is successful, they only need to return the principal of each installment without additional handling fees. In addition, after the installment is successful, users are supported to repay in advance or pay off in advance.