For example, the quota of your CITIC credit card and my China Merchants Credit Card is 1, yuan. And none of them have been used by credit card, then the available quota is still 1.

you use citic's installment to buy things. suppose the computer with a total price of 6 is divided into 6 installments. If the installment purchase is successful, the available limit of your credit card will be 1-6 = 4, and then you will pay back 6/6=1 every installment, and then you will recover a little if you pay back a little. In the case that your remaining 4, credits are no longer used, it will take you six installments before the available credits finally return to 1,. In other words, if you want to buy something of 6 yuan, the available amount on your card must be greater than 6 yuan to succeed in installment.

but the stages of my investment promotion are different. Similarly, my 6 computer is divided into six phases. If the installment is successful, China Merchants Bank will only deduct my first installment plus the handling fee at this time. That is to say, the 6/6+ handling fee is probably a little more than 1, so my available quota is still about 9. (And you only have 4), on the other hand, for example, my investment card has been swiped almost, with only over 1 points left, but at this time I can stage 6 things. If I spend 1, yuan at a time, and there is no available credit on the card, I can also save more than 1, points by myself according to the number of each installment, and I can buy things in installments

I don't know if you understand. This is the installment that does not occupy the quota. It can be said that in any case, you can't use it beyond the fixed quota of 1,. If you don't occupy the quota, you can use it much more than 1,. For example, my 1, plus 6, actually cost me 15, < P > China Merchants, CITIC and Minsheng Bank used to be able to carry out the so-called non-quota installment, and the installment of CITIC's non-quota is the highest among all banks, and sometimes it can even reach five times the original quota. For example, if you have a CITIC 1, quota, you can buy 5, things in installments. Generally, investment promotion is doubled at most.

but later, many people took advantage of this and made false staging with merchants, in order to get as many sets of money as possible after the cards have been swiped. Later, CITIC and Minsheng Bank couldn't hold back, and cancelled the installment that didn't occupy the quota. At present, the credit cards of China Merchants Bank and China Construction Bank are the only ones that can not occupy the quota. In addition, there are Guangfa Bank and China Everbright Bank, but the quota of Guangfa is determined by the bank afterwards, which is very uncertain. Therefore, before staging, the available quota must be equal to the total price of the goods you want to stage. Everbright Bank has a so-called "second quota" which refers to this installment that does not occupy the quota, but some people have this quota, some don't, and they are not sure, which is far less than that of China Merchants and Construction/

The after-sales you mentioned are the same as the after-sales you get when you go to the mall to buy things. You buy a computer, TV, mobile phone, etc. in a shopping mall. If it is broken, you need to repair it. Look for a shopping mall. The shopping mall usually tells you the phone number or address. Similarly, you need to go to the designated after-sales maintenance place to repair it yourself. Shopping malls generally don't care about this. If you want to return goods, you need a written certificate from the maintenance point to prove that the belt can be returned or exchanged. If the things you bought by installment are broken, it's not the same phone call to find the after-sales place. If it is not your responsibility, you can return or exchange the same after issuing the certificate.

in a word, everything is produced by the same manufacturer, and the after-sale is the responsibility of the manufacturer. Whether it is bought in the mall or online, it is an intermediate link, but the channels are different. For example, I drew a picture, and I bought it for you directly or I handed it over to A, who is good at business, and A bought it for you. Even a can be transferred to b and so on

that's the truth ~ ~