The 24-month interest-free quota for iPhone 12 Huabei is not enough

The limit of Apple’s 24-term interest-free credit card is not enough

The limit is not enough and you need to increase the limit. The following are the ways to increase the limit:

1. Apply for an increase before making large purchases Temporary credit card limit

When the fixed limit is not enough and you cannot increase the limit, you can try to apply for an increase in the temporary limit to prepare for large purchases. With a temporary limit, you can avoid exceeding the credit card limit. There are two ways to increase the temporary limit. One is to actively invite the bank to increase the amount, and the other is to apply for it on the client or by sending a text message. However, it should be noted that a one-time repayment is required after the temporary limit expires, otherwise some banks will consider it overdue.

2. Pay off the credit card balance before making large purchases

If the credit card has been used too much, it is best to pay off the credit card balance first when there is a need for large purchases again. Also, after the credit card limit is partially restored, it will not be so easy to max out the credit card again. Or if your card limit is not high, you can save money to spend on it.

Extended information:

Credit card installment is a one-time payment from the card-issuing bank to the merchant for the goods (or services) purchased by the cardholder when using the credit card. Consumption funds are deducted from the cardholder's credit card account in installments according to the cardholder's application, and the cardholder repays according to the monthly credit amount. In the past, credit card installments mainly included bill installments and single consumption installments. Banks usually charged corresponding handling fees based on the number of installments.

Whether it is bill installment or single consumption installment, the premise is that consumption behavior occurs first, and then the bank sets the installment repayment of the credit loan generated. Most domestic banks in China have credit card installment services. Installments are generally divided into shopping mall (POS) installments, "mail order installments" and bill installments through the Internet, mail, etc., depending on the occasion. The Huabei installment quota on Apple’s official website is insufficient

When the Huabei installment shopping quota is insufficient, you can solve the problem through the following methods:

1. Apply for temporary quota: During the promotion period, users can collect to the temporary Huabei quota in order to use the temporary quota and Huabei fixed quota for installment payment.

2. Early repayment: If the Huabei quota is 5,000, 3,000 credits will be occupied. And the price of the mobile phone you need to buy is 2,500 yuan. At this time, you can repay 500 yuan in advance, so that the available limit of Huabei will be increased to 2,500 yuan.

3. Complete personal information: For new users without complete personal information, the phone bill quota given by the system is relatively low. After completing Alipay's personal information, the system will re-evaluate the user. After the evaluation, Huabei's quota may be increased.

4. Huabei and red envelope payment: During the event, Taobao will launch a red envelope snap-up activity, and the red envelope supports joint payment with North China. As long as there are a sufficient number of red envelopes, the number of Huabei plus the number of red envelopes can also be divided into several batches.

Extended information:

Methods to increase Huabei quota:

1. Filling in all the user’s credit information will increase Zhima’s credit score. An improvement in Zhima Credit score will increase the opportunity to increase Huabei quota.

2. Improve account security level. Alipay's security level has been turned on and adjusted to the highest level. Security level is also an important step in increasing Huabei quota.

3. Accumulated compliance records. Maintaining the contract is what Huabei really values, and it involves many aspects. For example, Huabei repayment, exclusive bicycle returns, Taobao shopping returns, etc., the accumulated number of compliance contracts is also based on.

4. Increase Huabei activities. Now not only online shopping, many offline merchants can also use Huabei for payment. If Huabei is used more for consumption, it will increase the chances of Huabei growing.

5. Use more functions in Alipay. Now, Alipay has very comprehensive functions, such as paying for water, electricity and gas. Credit card repayment is also a reward project for increasing your credit limit, which is very helpful for Huabei to increase the amount. If the limit of Apple's 24-term interest-free merchant credit card is not enough, can I apply for a limit increase?

Can I apply?

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. Of course, when using a credit card to pay in installments, users also need to pay attention to selecting the number of installments. When CMB credit card holders need to temporarily increase their credit limit due to insufficient credit limit, they can directly call the CMB credit card customer service hotline to request a temporary limit increase.

The longest interest-free period for China Merchants Bank credit cards is 50 days, and the shortest is 18 days. The interest-free period for each purchase is different. The interest-free period mainly refers to the period after the consumption is recorded and before the final repayment date. If the user consumes on the day after the bill date, they will enjoy the longest repayment period. As long as the entire amount due is repaid before the repayment date (inclusive), no interest will be charged.

About China Merchants Bank

Founded in 1987 in Shekou, Shenzhen, China Merchants Bank is a subsidiary of China Merchants Group. It is the first joint-stock commercial bank in China that is entirely owned by corporate legal persons. , is also the first pilot bank for the country to promote banking industry reform from outside the system. The head office of China Merchants Bank is located in Futian District, Shenzhen City. On April 9, 2002, China Merchants Bank A shares were listed on the Shanghai Stock Exchange.

On September 8, 2006, China Merchants Bank began a public offering in Hong Kong, issuing approximately 2.2 billion H shares, raising HK$20 billion, and was listed on the Hong Kong Stock Exchange on September 22. Net capital exceeds 290 billion and total assets exceed 4.4 trillion. As of the first half of 2017, China Merchants Bank has more than 1,800 domestic and overseas branches, has established service outlets in more than 130 cities in mainland China, has 5 overseas branches and 3 overseas representative offices, and has more than 70,000 employees. In addition, China Merchants Bank also wholly owns China Merchants Bank Financial Leasing Co., Ltd., controls China Merchants Fund Management Co., Ltd., holds 50% stake in China Merchants Cigna Life Insurance Co., Ltd., and 50% stake in China Merchants United Consumer Finance Company; it wholly owns Wing Lung in Hong Kong Bank Limited and CMB International Financial Holdings Limited. What should I do if the Huabei installment quota is not enough?

The insufficient Huabei installment quota can be solved by increasing the amount. The Huabei method of increasing the amount is as follows:

1. Apply for a temporary quota: During the promotion During the event, users can receive a temporary Huabei quota, so that the temporary quota plus the Huabei fixed quota can be used for installments.

2. Make early repayment: If the Huabei quota is 5,000, 3,000 of the quota is occupied. The price of the mobile phone that needs to be purchased is 2,500 yuan. At this time, you can repay 500 yuan in advance, increasing the available credit of Huabei to 2,500 yuan.

3. Complete personal information: For new users who have not completed their personal information, the Huabei quota given by the system is relatively low. After completing the Alipay personal information, the system will re-evaluate the user. After the evaluation, the Huabei quota will have a chance to be increased.

4. Combined payment with Huabei and red envelopes: During the event, Taobao will launch an activity to grab red envelopes, and red envelopes support combined payment with Huabei. As long as there is a sufficient amount of red envelopes, the Huabei quota plus the red envelope amount can also be used for installments.

1. Try to complete your personal information as much as possible, complete certification, personal academic qualifications, address, provident fund account, corporate email account, etc.

The more complete the information, the higher your limit will be

2. Maintain a good credit record. You can bind a credit card to your payment and pay your credit card bill on time every month, which will increase your credit record

.

You can also pay utility bills on Alipay. These performance records will increase your Zhima credit score and also increase your

Huabei limit

3. Social relationships on Alipay It must be good, you can add more friends with good credit on Alipay, chat more, transfer accounts, send red envelopes, etc., so that your network score will be higher

4. Bind your provident fund account. This is the fastest way to increase your limit. As long as you have this account, your limit will increase a lot. Because

This is proof that you have a stable job and income. Having a stable income means that you have a good ability to repay the loan, which is good for the loan

Very important

5. Use more functions on Alipay, use all the functions that can be used, and let Alipay generate usage records, because the amount of Huabei is based on

the use of Alipay Based on a comprehensive assessment of the situation, the better the usage, the higher the limit.