How to buy a mobile phone in installments without a credit card or Huabei
Users without Huabei can apply for a loan, use credit cards, IOUs and other products to pay for mobile phones in installments. After all, there are many installment products, and Huabei is just one of them.
If users have a Baitiao loan limit, they can go to JD.com to buy an Apple phone and then choose to pay in installments with Baitiao. Or you can pay directly with a credit card and apply for consumption installments at that time.
Therefore, users can buy mobile phones in installments without Huabei, but users must have a borrowing limit from other loan products.
Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. 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.
Main features
①Credit card is one of the fastest growing financial services today. It is an electronic currency that can replace traditional cash circulation to a certain extent;
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②Credit cards have both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using credit cards;
③Credit cards are high-tech products that integrate financial services and computer technology.
④Credit cards can reduce the use of cash;
⑤Credit cards can provide settlement services, facilitate shopping and consumption, and enhance a sense of security;
⑥Credit cards can simplify collection Reduce payment procedures and save social labor;
⑦Credit cards can promote product sales and meet social needs.
Financial Management Strategy
1. Control the number of credit cards and only have enough.
Once there are too many credit cards, it is easy to make mistakes or forget the repayment date of the card. Issues such as the credit limit of that card are difficult to manage and can easily lead to late repayments and leave a bad record. Moreover, if you swipe multiple cards to earn points, the points will be too scattered and it is not conducive to redeeming gifts. Therefore, it is recommended that only 1 to 2 credit cards are enough.
2. Keep the credit card receipts
Most credit card holders do not care about the receipts and will not keep them. Most of them throw them away. This is a very bad habit. In fact, retaining credit card vouchers not only facilitates the monthly summary of consumption records to analyze and optimize consumption habits, but also helps improve the rationality and transparency of credit card consumption, so that the card can be swiped clearly. And many people do not set passwords on their credit cards. Discarding the credit card credentials at will may lead to theft of the credit card.
For security reasons, it is best to keep the credit card receipt after swiping the card to make yourself aware of it and develop good credit card financial management habits.
3. Reduce cash withdrawals
Credit cards have two functions: overdraft and cash withdrawal, but cash withdrawals require a certain percentage of handling fees, and even if you deposit your own money into it, you will be charged. Therefore, it is not cost-effective to use or use it as a passbook.
4. Choose the right credit card
The choice of credit card is very important. Nowadays, many commercial institutions have bundled cooperation with banks. For example, you can apply for a joint credit card between a department store and the corresponding bank. With a credit card, you can spend points here as a member and get discounts; or some cards can provide discounts at designated merchants, including dining, movies, towing services, etc. There are various categories, and you can choose freely according to your own needs. Credit cards should be used wisely and chosen wisely.
5. Use your credit card as much as possible within the maximum limit for credit card consumption
Every credit card has a limit. If you use your card within this maximum limit, you are safe. So, within this controllable range, please swipe as many cards as possible. Because a credit card is like when you buy something, the bank will pay you first, so why not? Just pay it back to the bank on time on the repayment date. On the one hand, it is more convenient to consume, on the other hand, it can also accumulate credit, and the bank can also charge merchants fees from the amount of your credit card, which is a win-win situation.
How to buy a mobile phone in installments if you don’t have enough Huabei and don’t have a credit card?
You cannot use it if the available credit is insufficient.
It is recommended not to try overdraft behavior, which is closely related to your credit report and will affect your credit report.
Huabei is a credit payment method provided by Ant Micro Loan, which can be used for Tmall, Taobao and some external product purchases. After paying with Huabei, you only need to repay on the 1st to 10th of the next month after receiving the goods, without any fees. Ant Huabei also supports single consumption installment (over 600) and bill installment.
What should I do if my Huabei installment limit is not enough and I don’t have a credit card?
Currently I want to apply for installment, but the Huabei credit limit is not enough
If you don’t have a credit card, apply for one
As long as you have a normal job, you can Will apply for a credit card
If you have more assets, the credit card limit will be increased
If it doesn't work, open a second income channel
No How to open a credit card in Huabei
You need to meet the conditions to open Alipay Huabei:
Huabei currently only provides this overdraft credit payment method for some high-quality customers with high reputation.
How to activate Huabei:
1. Log in and find the Huabei service (if Huabei does not support users, the entrance will not be displayed), click to activate;
2 . Fill in the information (the service agreement is checked by default), enter the payment password and click OK to activate Huabei.
How to repay Ant Huabei without a bank card?
1. Open "Alipay" on your phone and click "Ant Huabei" to open it.
2. You can see the bill and click "Repay" to enter the repayment page.
3. Click "Confirm Repayment" to enter the repayment page.
4. Click "Payment Method" and select your payment method. There are Yu'ebao, bound bank cards, account balances, etc. If there is no bound bank card, you can use Yu'ebao or balance.
5. It can be seen that the payment method does not support the use of credit cards and Huabei for repayment.
6. After the payment is completed, check whether the repayment is successful, exit Alipay, re-enter, select "Ant Huabei" to enter, you can see that the remaining balance this month should be 0 yuan. The representative has paid off this month's bill.
How to buy a mobile phone in installments without a credit card
1. Buy a mobile phone in installments with Huabei:
You can buy a mobile phone in installments at a store that supports Huabei consumption. There are two installment methods, one is to make the installment at the time of purchase, and the other is to choose the installment after the bill comes out. Huabei installments can be divided into 3/6/12 installments, and the total installment fees are 3.90, 4.90, and 6.5 respectively.
It should be noted that to buy a mobile phone in installments with Huabei, your Huabei quota must be ≥ the price of the mobile phone. If the quota is too low, the payment cannot be successful. You can only try to increase the Huabei quota. For example, you can pay off the debt first, or receive a temporary quota. The specific solution is introduced in "What to do if the installment quota of Huabei is greater than the commodity".
2. Buy mobile phones in installments on Jingdong Baitiao:
Buying mobile phones in installments on Jingdong Baitiao is the same as Huabei. There are two installment methods, and it can only be purchased in advance if the amount of Baitiao ≥ the price of the mobile phone. Purchase successful. However, it is different from Huabei. If the Baitiao limit is not enough, you can also pay with a bank card, that is, the Jingdong Baitiao limit will be deducted first, and then the insufficient amount will be deducted from the savings card. You can buy mobile phones in JD Baitiao in 3/6/12 installments, and the handling fee for each installment is 0.5, which is relatively cheap
Operating environment: Apple 12, ios14, Alipay version 10.2.3 JD version 10.2.2
Conditions for applying for a credit card
Any natural person over 18 years old (inclusive) with sufficient civil conduct and repayment ability, including foreigners who have lived in China for a long time and people from Hong Kong, Macau and Compatriots in Taiwan can apply for a master personal card by presenting their valid ID cards and relevant supporting documents. Other natural persons with full or limited civil capacity may also obtain additional cards (with the permission of their legal representatives).
Universal card holders can apply to cancel the supplementary card at any time.
The application materials you need to provide are:
1. Valid ID: copy of ID card (soldiers need to provide military ID card);
2. Work unit Salary certificate: Salary certificate issued by the applicant’s work unit (with the unit’s financial seal or official seal), a copy of the job card or a copy of the job card with my photo, business card, etc.
3. Proof of financial resources (this is helpful for approving a higher credit limit): copy of property certificate, original and copy of motor vehicle, copy (copy) of fixed (current) deposit slip, etc.
This ends the introduction on what to do if Huabei doesn’t have a credit card and what to do if Huabei doesn’t have a bank card. Did you find the information you need?