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Do I have to use a credit card to buy installment payment in Apple official website?
Apple official website doesn't have to use a credit card to buy installment payment.

According to Apple official website's purchase policy, except for credit card payment, other payment methods can be used for installment payment, such as Alipay, WeChat payment and UnionPay card. These payment methods can choose the installment option at the time of purchase and pay according to the corresponding installment plan. So Apple official website doesn't have to use a credit card to buy installment payment.