If you don’t have a credit card to purchase a mobile phone in installments, you can use the following methods:

1. Purchase when the merchant is promoting installment activities. The merchant launches the installment payment service. You can choose to participate in the installment payment service. of mobile phone purchases.

2. Choose your mobile phone to purchase installment products on JD.com and Tmall.

3. Apply for XX installment on a third-party payment website.

Buying a mobile phone by installment in a physical store:

1. Many mobile phone stores currently cooperate with consumer credit companies. As long as the consumer has the ability to repay, and holds his or her ID card and bank Card, you can go directly to the store to handle installment payment, which can generally be divided into 6 installments, 12 installments, 24 installments, etc. Consumers can choose according to their actual situation.

27 If consumers have a credit card, they can also use the credit card to overdraft consumption, and then pay the credit card bill in installments.

Buying a mobile phone by installment payment online:

1. First of all, you need to have a credit card. If you don’t have one, please go to the bank to apply for it first. Then the iPhone13 phone (system version: iOS15.0) enters the web page and logs in. Then search to find the mobile phone you want to buy. Here, try to choose some reliable merchants with high sales, then click to enter the product purchase page, select the mobile phone color and package, and then click "Buy Now". When buying something on Taobao, if the price of the purchased item is less than 4,000, you can choose to pay in installments with Huabei, including 3, 6, 9 and 12 installments. After choosing the installment method that suits you, click Installment Purchase.

2. Enter the payment interface, fill in the recipient's name, phone number, address and other contact information, and click to submit the installment order.

Generally speaking, if the credit card holder continues to repay the loan on time after applying for installment, it will not have an impact on the personal credit report. On the contrary, if you apply for installment payment, it just proves that the consumption demand of credit card holders is relatively strong. If the cardholder applies for a limit increase to the bank later, it will actually increase the probability of the limit increase application being approved. Credit card installments can be repaid in advance, but you need to contact customer service in advance to terminate the installment. Cardholders need to be reminded that once the installment application is successful, it is irrevocable. Even if the installment is terminated in advance, the handling fees for the remaining installments will still be charged.