How to buy an Apple mobile phone in installments?
The Huabei installment plan for Apple mobile phones is as follows:
When purchasing a mobile phone, check whether it supports Alipay payment. Generally speaking, for online shopping, as long as you pay with Alipay, you can pay with Huabei. There is no installment payment when making the payment. You can handle the installment repayment yourself after payment.
Apple uses Huabei installment plan, which you need to pay when buying an Apple mobile phone. You can choose to pay in installments during payment. If there is an activity on the Apple mobile phone, the Huabei installment is interest-free.
There is no handling fee when using Huabei installment plan on Apple’s official website.
Apple’s official website has added the Huabei installment payment service. Users can choose this method to purchase Apple products and enjoy 24 interest-free installments. Apple’s official website has added Huabei installment service and supports 24 interest-free installments. It should be noted that the minimum interest-free limit for Huabei for 24 periods is 4,000 yuan.
It means that if the product purchased is lower than this price, you will not be able to use this service. In addition, the 24-issue interest-free event is valid for a limited time, "the content may change at any time," and this service is not applicable to Apple Store retail stores.
Credit card installment payment is a one-time freezing of the corresponding amount, and the repayment of one installment will restore the amount. In other words, if you want to spend a credit card to buy an Apple phone, the credit limit must at least exceed the price of the Apple phone purchased.
You don’t need to pay it all off within 50 days. You can just pay back the corresponding amount according to your own installments.
Apple’s official website supports credit card installments from China Merchants Bank, Industrial and Commercial Bank of China, and Agricultural Bank of China. The maximum order amount is 15,000 yuan. To use this installment payment method, you need to be a credit card user of these three banks.
The steps to purchase Apple mobile phones in installments are as follows:
1. Purchase products
Select the mobile phone model you want to buy, add it to the shopping cart, and proceed to payment link.
2. Select installment payment method
Select installment as your payment method and select the bank and number of installments in the payment link.
3. Complete the transaction
Complete your order and complete the payment.
There is no handling fee when using Huabei installment plan on Apple’s official website. Apple’s official website today added the Huabei installment payment service. Users can choose this method to purchase Apple products and enjoy 24 interest-free installments. Apple’s official website has added Huabei installment service and supports 24 interest-free installments. It should be noted that the minimum interest-free limit for Huabei for 24 periods is 4,000 yuan.
Can I pay for Apple mobile phones in installments with a credit card?
1. Users use credit cards to purchase Apple mobile phones in installments. When the credit limit is insufficient, they can give priority to repaying part of the outstanding balance so that the available credit limit is greater than or equal to the payment amount. Or apply for a temporary limit from the bank. The temporary limit plus the fixed limit is greater than or equal to the payment amount. The user can also make installment payments. Credit card installment payment does not support combined payment. The available balance must be greater than or equal to the payment amount before the payment can be successful.
2. Credit card installment related content
1. Credit card installment means that when the cardholder uses a credit card to make large purchases, the bank pays the merchant a one-time payment for the cardholder’s purchase. The process of using funds for consumption of goods (or services) and then allowing the cardholder to repay the bank in installments and pay handling fees. The bank will deduct consumption funds and handling fees from the cardholder's credit card account in installments based on the cardholder's application, and the cardholder will repay according to the monthly credit amount.
2. In the early days of the credit card installment business, banks often promoted it under the banner of “interest-free”, and indeed many citizens were “fooled”. In fact, interest-free is not free, it’s just called something different. Generally speaking, the one-year credit card installment payment fee is generally lower than the one-year cash withdrawal interest of RMB 18, and higher than the bank's one-year commercial loan interest of RMB 5.31. It is worth mentioning that commercial bank loan interest rates have been reduced several times since last year, but the standards for credit card installment fees and cash withdrawal interest have rarely changed. Although the standards for credit card installment fees vary from bank to bank, the calculation method is roughly the same.
3. Shopping mall installments are generally free of charge for three installments.
The rates for 6 and 12 periods vary from bank to bank. Installment products can generally be purchased as long as they are normally sold in the shopping mall. In many cases, cardholders can also bundle multiple items together at checkout and then make installment payments.
4. It means that the cardholder receives the installment mail order catalog manual sent by the card-issuing bank (or the bank's online installment mall) and selects from limited products. Then order through the online installment mall, call or fax the mail order installment application form, etc. to the bank for installment mail order.
How to use China Merchants Bank credit card to purchase iPhone 6 in installments
It is reported that China Merchants Bank credit card customers can enjoy interest-free installment payment service if they purchase iPhone 6 in the bank’s online mall. So how to apply for installment payment specifically? ?
The first step: Select the products you want to buy and add them to the shopping cart;
The second step: After opening "Add to Shopping Cart", the cardholder verifies the purchase After confirming that the information is correct, click "Checkout";
Step 3: Select installment as your payment method, and select the bank and the number of installments;
Step 4: Complete information and complete payment.
Cardholders who use the installment payment method also need to pay attention to the following matters:
1. The applicant is a China Merchants Bank credit card user;
2. The purchase price of products in the AppleStore online store exceeds RMB300;
3. The maximum limit for orders using installment payment is RMB30,000;
4. Whether the application can be successful, China Merchants Bank will determine whether the application is successful or not. The actual situation will be reviewed and determined.
Can I buy iPhone 6 in installments with a credit card?
Yes, a credit card is required for iPhone installment payment.
1. Installment payment on Apple’s official website uses credit cards, not debit cards. However, installment payments can only be made if the credit card limit can be paid in full. At the same time, the installment payment on Apple’s official website also supports fancy installment payments. After the application is successful, the bank will automatically deduct the money regularly. Users only need to pay their credit card bills on time.
2. Installment purchases on Apple’s official website require a credit card, because only credit cards can be used for installment purchases. The debit card is for full payment and does not have an installment feature. In addition, when purchasing Apple products, you do not have to purchase them on the official website. You can also buy on JD.com, Tmall, Taobao and other platforms. In addition, JD.com can use JD Baitiao to pay in installments, and Tmall and Taobao can use Huabai to pay in installments without a credit card. Note that when purchasing Apple products in installments on JD.com, Taobao and other platforms, you need to have sufficient funds. For example, if you purchase 8,000 items, your amount needs to be 8,000 or more. One time deduction and repayment in installments.
Instalment payment is a transaction payment method commonly used by modern people. Many times, we want to buy a product or enjoy a service, but we don't have enough money for the time being. We can transfer the payment pressure to later stages by paying in installments. First, we should determine the amount of funds we need. If you need a small amount of money, you can choose some loan platforms with lower amounts. If you need more funds, you can focus on platforms with higher loan amounts. Secondly, we should also consider the number of installments we want. Currently, the repayment period of most loan platforms on the market is 3 months to 3 years. The most important point is that we should choose some formal big brands. The loan products launched by formal platforms will be more reliable and formal.
If you use a credit card to pay in installments on Apple's official website, the system will deduct the payment amount of the Apple phone from the available credit card limit in one go. After that, users can repay on time according to the number of installments. In addition, Apple’s official website has a cooperative relationship with China Merchants Bank. Pay by installment directly with China Merchants Bank and enjoy interest-free discounts. If you pay by other methods, you need to pay the entire amount in one go. There is no interest-free period, and you must pay in real time on Apple's official website.
Can I use a credit card to pay for an Apple phone in installments?
A bank card does not necessarily have to have enough money, but a credit card must have enough money.
Instalment payment on Apple’s official website does not necessarily require a bank card with funds. You can also pay in installments without a bank card. Installment payments on Apple's official website use credit cards, and debit cards cannot be used. However, installment payments can only be made if the credit card limit is met and the full amount can be paid. At the same time, Apple's official website also supports Huabei installments. After the application is successful, the bank will automatically deduct the money regularly, and the user only needs to pay the credit card bill on time. Regardless of the type of installment, users do not need to have money in their bank cards. Because the so-called installment refers to allowing you to repay in installments, not in installments. So you need to pay the money to Apple's official website in one lump sum, and then pay it back to the bank in monthly installments.
1. Bank cards refer to credit payment instruments issued to the public by approved commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposits and withdrawals, etc. Bank cards reduce the circulation of cash and checks, allowing banking business to break through the limitations of time and space and undergo fundamental changes. The application of the automatic bank card settlement system has made the dream of a "checkless, cashless society" a reality.
2. Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the card-issuing bank gives the cardholder a certain credit limit, and the cardholder can consume within the credit limit first and repay later. A quasi-credit card refers to a credit card in which the cardholder first deposits a certain amount of reserve fund as required by the bank. When the reserve fund is insufficient to pay, the cardholder can overdraw within the credit limit specified by the card-issuing bank.
3. Apple mobile phone is iphone. The iPhone is a handheld device that combines a camera phone, a personal digital assistant, a media player and a wireless communication device. It was developed by Steve Jobs, CEO of Apple, Inc. (Steve Paul Jobs) Announced at Macworld on January 9, 2007, and launched in the United States on June 29, 2007. iPhone is a 4-band GSM mobile phone that supports EDGE and 802.11b/g wireless Internet access (iPhone3G/3Gs/4 supports WCDMA Internet access, iPhone4 supports 802.11n), supports email, mobile calls, text messages, web browsing and other wireless Communication Services. The iPhone does not have a keyboard, but innovatively introduces a multi-touch (Multi-touch) touch screen interface, which occupies a leading position compared with other brands of mobile phones in terms of operability.
That’s it for the introduction of how to buy Apple in installments with a credit card.