1. Can I pay in installments with a bank card when buying a mobile phone? Not a credit card?

1. A credit card is required. He uses the money in the credit card to give it directly to Apple, and then you repay the money to the bank, and the bank earns interest on it. With a credit card, you pay back as much as you spend, and with a debit card, you pay back as much as you save. A credit card is a credit card and a savings card is a debit card. A credit card is equivalent to a small consumer loan. Buying an Apple in installments is the same as buying a house or a car in installments. You can only use a credit card to pay for installments when buying on Apple's official website. If you buy on Tmall or JD.com, you can use a savings card to pay for installments.

2. First of all, you must have a credit card that can be used for installment on Apple’s official website, probably Bank of China, China Construction Bank, Industrial and Commercial Bank of China, and China Merchants Bank. Secondly, your limit must be greater than the money you spend to buy a mobile phone. For example, if your phone costs more than 5,000 yuan, then your credit limit must be greater than the price of the phone, which is more than 5,000 yuan.

3. At present, Apple’s official website, Gome, Suning, JD.com, Taobao and other platforms can only use credit card installments. Deposit card installments are not supported for the time being (deposit cards do not have the installment function). Individual stores are not sure. The credit card installment amount occupies the card limit. In fact, the bank advances the total amount of the mobile phone to the store for you, and you repay it to the bank in installments, so the bank has to freeze the entire credit limit of the mobile phone at one time; and if you use a debit card, if the bank pays the total amount of the mobile phone in one go If it is deducted, it is not called installment. : 1. You can pay back as much as you spend with a credit card, and you can spend as much as you save with a debit card. A credit card is a credit card and a savings card is a debit card. A credit card is equivalent to a small consumer loan. Buying an Apple in installments is the same as buying a house or a car in installments. You can only use credit cards to pay for installments when buying on Apple's official website. If you buy on Tmall or JD.com, you can use savings cards for installments. 2. The difference between credit card loans and installment payments: (1) In credit card loans, since the debt is unsecured, if the customer defaults, the card issuer does not have any recourse to specific collateral; (2) In credit card loans, the card issuer’s The risk equals or exceeds the credit limit (for example, if the bank approves the cardholder for additional loans or the cardholder spends more than their credit limit); whereas in an installment credit, the bank's risk increases over the life of the loan. The loan decreases with the monthly repayment of the loan; (3) In a credit card loan, the repayment cycle, that is, the loan term, extends each time the cardholder uses his or her credit limit.

2. Can I get a loan to buy a mobile phone in a physical store? What are the requirements?

How much.

3. What are the requirements for mobile phone installment in physical stores, installment purchase tutorial

Under normal circumstances, as long as the credit report is good, the age is between 18 and 55 years old, and the person has full civil conduct Any capable individual can handle the installment business at a mobile phone store. The specific steps are as follows:

1. Consult the salesperson in the store for detailed information, such as the price of the mobile phone, the interest on the installment and the down payment of the installment;

2. After confirming the purchase, you need to provide valid documents such as ID card and bank card. College students should provide personal ID cards, and office workers should provide corresponding social security cards, etc.;

3. Fill in the relevant documents The staff will help with the installment information, including personal information, relevant contacts, work units, etc.;

4. After uploading the personal information, wait for review by the lending institution. After passing, the user can get it by paying the down payment. Mobile phone;

5. Just deposit a fixed repayment amount into the bank card every month, and the installment agency will automatically deduct it.

Extended information:

Things to note when buying a mobile phone in installments:

1. Prevent falling into the trap. Many mobile phone stores now cooperate with installment agencies. Therefore, when users purchase mobile phones in installments, they must understand the handling fees and interest in the contract in detail to avoid unnecessary losses;

2. " You need to pay more attention to "zero" down payment and "zero" interest. When purchasing a machine, many stores will advertise this. It seems to be a benefit. In fact, when you actually sign the contract, various handling fees, service fees, etc. will be charged. Therefore, when purchasing a mobile phone by installment in a physical store, you need to think carefully and make your choice based on your personal circumstances.

4. Can I get a loan to buy a mobile phone in a physical store? What are the requirements?

You can swipe a credit card and then apply for a certain amount of monthly repayment