The official iPhone installment purchase requires a credit card as follows:

Products purchased on Apple’s official website can only be purchased with credit card installments and Huabei. Deposit cards cannot be used for installment payment.

Let’s experience the complete shopping process on Apple’s official website and see what the shopping process and policies of Apple’s official website are like.

1. First search and enter Apple’s official website

2. For example, if I want to buy a MacBook Pro as my own productivity tool, click on the Mac page and find the MacBook Pro purchase option.

3. If you want a larger screen, choose a 16-inch, 2.6GHz i7 processor, which is enough.

4. Then you can see the installment policy options for Apple’s official website products, 24 installments, 0 rate.

5. Click on the blue option in the question mark part to see specific instructions. It is important to note that Huabei only supports 12-month installments, and debit cards do not support installment services.

6. In addition, in Apple’s payment installment service description, there is a minimum installment requirement of 1,000 yuan, but not many Apple products are lower than 1,000 yuan, haha!

7. According to the default options, you can pay later, and the fee for each period has been automatically calculated. The whole process is a good experience, but you need to register or log in to an Apple account when paying.

Payment with credit card or Huabei installment purchase on Apple’s official website is interest-free and handling fee-free (tip: some users may not support Huabei installment, please be careful when placing orders with Huabei or consult customer service first). The bank or Alipay charges Apple, and the fee is subsidized by Apple, so the bank or Alipay still makes money. The wool comes from the sheep, and prices on Apple's official website are generally more expensive than e-commerce companies such as JD.com.