1. Credit card. Credit cards of China Merchants Bank, China Construction Bank and Industrial and Commercial Bank of China can enjoy 24-month interest-free installments. Purchases of products using debit cards cannot enjoy installment payment services. The iPhone installment payment section on Apple’s official website belongs to credit card installments, and CCB savings card installments cannot be used.
2. There are four financial institutions *** that cooperate with Apple, namely Huabei Financing, China Merchants Bank, China Construction Bank and Industrial and Commercial Bank of China. Installment payment can be used as long as the purchase of goods is greater than or equal to 500 yuan. Among them, Huabei supports 3, 6, and 12 interest-free installments.
3. Both China Merchants Bank and China Construction Bank support interest-free installments of 1, 3, 6, 12 and 24 months. Industrial and Commercial Bank of China supports interest-free installments of 3, 6, 12 and 24 months. Apple Store Online Store, interest-free installment is available on all Apple product purchases.
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1. Savings card: its main function is savings deposits. Cardholders use the electronic payment network established by the bank and the magnetic stripe reading and manual password input of the card. Functions such as card swiping consumption, ATM cash withdrawals, transfers, and various types of payments can be realized. Expenses paid through the card are equal to the reduction in the balance of the savings account. The account balance is zero and the card's payment function is reduced to zero.
2. Credit card: Credit card has all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.
There are different application methods:
1. Debit card: Go to any bank branch with your valid ID. A current account must be opened first. The account balance must not be less than 10 yuan. Accounts that do not draw money based on seals. Accounts that are not reported lost or frozen, and the account status is normal.
2. Credit card: The application method is generally to fill in the credit card application form and submit certain copies of documents and certificates to the card issuing bank. After receiving the application form and relevant materials from the applicant, the card-issuing bank will review the applicant's creditworthiness. After the applicant successfully applies for a credit card, the card-issuing bank will open a separate credit card account for the cardholder at the card-issuing bank.
Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.
Operating environment: Apple 12iOS14, Alipay 10.0.36.9000