You can't buy IPHONE6 if the quota is not enough, but you can apply to increase the temporary quota or pre-store the difference on the credit card and then apply for installment purchase or apply for installment repayment after direct purchase. Credit card installment: 1. Handling fee collection method: ICBC and BOC collect the handling fee in one lump sum, and other banks share the handling fee in installments. There are also differences in the treatment of staging time. Some banks, such as Shanghai Pudong Development Bank, China Construction Bank and China Everbright Bank, charge lower fees and take longer. Whether to calculate the late installment fee for prepayment is also different. For example, Guangfa only charges extra fees for prepayment, while most banks continue to charge fees. 2. Charge standard: installment fee = installment principal * installment fee rate * number of installments 1, ICBC: no charge for the third installment, 6 installment 1.8%, 9 installment 2.7%, 12 installment 3.6%, 18 installment 5.85%. 3. Bank of China: Phase III 1.95%, Phase VI 3.6%, Phase IX 5.4%, Phase VI 7.5%, 1 1.7%, Phase IV 15% (. 5. CITIC: 1, 1.50%, 0.82% for Phase III, 0.82% for Phase VI and 0.77% for Phase II (charged monthly). 6. Shanghai Pudong Development Bank: 0.72% for Phase III, 0.7% for Phase VI and 0.66% for Phase VI +02 (charged monthly). 7. China Merchants Bank: Phase II 1.0%, Phase III 0.9%, Phase VI 0.75%, Phase VI 0.7%, 10. 8. Bank of Communications: 0.72% per month (charged monthly). 9. Guangfa: 0.65% for 6 issues 12, 0.7% for 18, and 0.72% for 24 issues (charged monthly). 10, everbright: apply for repayment by installments before consumption, 12 months, and charge 0.5% every month. There are 3 installments, 6 installments, 9 installments and 12 installments, and the handling fees are 2%, 4%, 5% and 6% respectively (one-time charge). 1 1, Xingye: 0.8% for Phase 3, 0.7% for Phase 6, 0.7% for Phase 12, 0.72% for Phase 18, 0.72% for Phase 24 and 0.72% for Phase 36 (collected by installments);