First, deposit money into the credit card according to the credit card bill.

Credit card installment payment refers to the process that the bank pays the consumer funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum when the cardholder uses the credit card to make a large amount of consumption, and then the cardholder repays the money to the bank in installments. According to the cardholder's application, the bank deducts the consumption funds by stages through the cardholder's credit card account, and the cardholder repays according to the monthly amount. In other words, we have to return the credit card directly.

1, the mobile phone, like other items, is sent to you together with the bill of the current month according to the number of installments, which means repayment should be made on the repayment date of each month. If the repayment is made before the final repayment date, it will also be overdue, and interest of one ten thousandth will be charged for the unpaid part.

2. After the cardholder successfully applies for bill installment payment, the principal of bill installment payment will be fully included in the used credit line; Recover the available credit line according to the cardholder's repayment amount in each installment.

3. The installment principal and monthly handling fee of the bill installment will be fully included in the current minimum repayment amount. When the cardholder repays, the repayment of this business is better than general consumption.

Second, the relevant content of purchasing mobile phones by stages

1. Buy the mobile phone by credit card in installments, and enter it into the current bill. After the bill comes out, the installment principal and handling fee are included in the credit card repayment amount, and then the repayment is made on the final repayment date. But there are two ways of credit card installment, and the repayment time is different.

2. Some mobile phones were purchased in installments at that time, so the amount of repayment in each installment will be included in the current bill and must be repaid in the current period. Moreover, some people use credit cards to buy mobile phones, but they will pay in installments after the credit card bill comes out, so they will pay in installments after the next billing date comes out.

3. the repayment method of buying a mobile phone by credit card in installments is the same as that after using a credit card at ordinary times. You can transfer money through mobile banking and third-party payment platforms. You can also deposit money directly at the counter or ATM for repayment. After the repayment is successful, part of the quota will be restored.

How to buy a mobile phone by credit card installment

If you want to buy a mobile phone by installment with a credit card, you must first have a credit card that can support installment payment; Second, the seller platform of the intentional mobile phone supports installment payment; All the above conditions are met, just follow the following steps;

1. Enter the intentional mobile phone purchase interface;

2. Click to buy;

3. Select the payment method;

4. Select the credit card to pay;

5. Click on installment purchase (after clicking installment, there will be installment options, generally there will be options of installment for 6 months and 12 months).

6. Select the required number of installments;

7. Click OK and enter the password to purchase successfully.

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How to buy a mobile phone by credit card installment

Tools/raw materials

Credit Card (Bank of China)

Networked computer

Methods/steps

1. Find the mobile phone you want to buy and select "installment".

2. A small window will pop up at this time, indicating the three credit card installment supported by JD.COM Mall, and select "Apply for credit card installment".

3. Confirm the order installment information.

4. Confirm the information of installment payment, whether to choose 3, 6 or 12 to pay off.

According to your actual income, select "Save installment information" after selection.

5. Submit the order information.

The interest paid in installments is listed above, and the less installments, the less interest.

6. After submitting the order, confirm the delivery information.

JD.COM needs manual telephone consultation for staging information.

Matters needing attention

Some shopping malls also support credit card installment payment, which can be realized by directly consulting the person in charge of the shopping mall.

You can also purchase your mobile phone by installment in official website through a credit card, or purchase it online through a mobile phone official, or you can realize credit card installment payment.

Credit card installment reduces the temporary payment pressure, but it needs to pay the corresponding interest. For the money that can be paid in one lump sum, it is best not to pay by installment.

Moreover, once you forget to pay in installments, the interest will double and the accumulated credit will be bad.

How to buy a mobile phone by credit card installment?

It's easy to buy a mobile phone by installment with a credit card. Generally, you only need to choose installment payment when you pay. General merchants have given different installment numbers and the amount of each installment, so you can choose the one that suits you. However, many goods will pay a certain handling fee when they are purchased in installments, and no interest will be charged. This is what everyone needs to pay attention to.

After credit card installment shopping, as long as the normal repayment has no influence on the cardholder's credit information, the occasional use of installment has a good effect on increasing the credit card limit, but the credit card installment will occupy the credit card credit limit, and the user will restore the credit limit accordingly every time he repays the installment. Although you can buy a mobile phone by credit card in installments, you will have to pay back the money you spend after all. If the things you buy are more expensive, there may be overdue repayment in the later stage, which is very unfavorable to individuals and will affect personal credit information in the long run. Credit cards can be used for installment shopping, but it is best not to use them when repaying; Repayment in installments by credit card means that the cardholder has a problem with repayment. At this time, the bank will doubt the cardholder's repayment ability, and the credit card limit will be reduced after a long time.

Installment payment is mostly used for some product transactions with long production cycle and high cost. Such as complete sets of equipment, large vehicles, heavy mechanical equipment and other products. Installment payment means that after the import and export contract is signed, the importer pays a small part of the payment to the exporter as a down payment, and most of the rest is paid in installments after part or all of the products are produced and shipped, or after the goods are installed, debugged, invested and guaranteed. Installment payments are usually provided by banks and installment suppliers. Banks provide consumers with personal consumption loans equivalent to the amount of goods they buy, and consumers use the loans to pay their suppliers, who provide guarantees for consumers and bear irrevocable joint and several liabilities. Young people who spend by installment are often called "installment families".

Installment payment was developed after the Second World War. At first, it was limited to buying ordinary daily goods or services. Later, with the rapid development of productivity, the scale of industrial and agricultural production is expanding day by day, and the required expenses are increasing day by day. In addition, with the development of bank credit, the field of installment payment has expanded to enterprises that buy large machinery and equipment and raw materials. With the improvement of China's financial services and the change of people's consumption habits, installment payment, which is popular abroad, has been introduced to China and quickly recognized by domestic consumers. It is usually young people who have poor current payment ability but have consumer demand who spend by stages. The products it consumes are usually laptops, mobile phones and digital products.

The introduction of how to stage credit cards and how to stage credit cards ends here. I wonder if you have found the information you need?