How willful is Suning's arbitrary payment?

In fact, discretionary payment is a credit product of Suning Consumer Finance Company, which provides a certain amount of loans for Suning members. With Suning's discretionary payment, you can spend first and then pay back the money. The amount you apply for can be used for consumption, investment and even cash withdrawal.

For example, if you apply for a quota of 8,000 yuan and buy 5,000 yuan in Suning Store, you can use discretionary payment:

You can choose to pay in one lump sum!

But don't worry, voluntary payment will provide a 30-day interest-free period, which means you can pay the full amount within 30 days after shopping, and there is no interest!

You can also pay in installments (such as three installments)

(Attention, the point is coming): Free payment will still give you an extra 30 days interest-free time! In other words, your repayment date has been delayed for 30 days! The handling fee remains unchanged! The total repayment amount remains unchanged! If you don't have any consumer demand, you can also put it in the change treasure to make money for you!

Advantages and characteristics of Suning's arbitrary payment;

Low threshold-/kloc-China citizens (excluding Hong Kong, Macao and Taiwan) aged 0/8 to 60 can apply;

High quota-users who register as Suning members for the first time can apply for a quota of 2000 yuan; Users who are already members of Suning can apply for a maximum amount of 10000 yuan according to their consumption and personal credit in Suning; In the later stage, you can apply to increase the amount of advance payment in designated city stores, up to 200,000 (Nanjing only);

Low cost-interest-free shopping within 30 days, and later designated goods can be divided into three stages;

High efficiency-register and use by mobile phone anytime and anywhere (traditional consumer finance needs to go to designated outlets and is limited by time);

Convenient repayment-30 days interest-free, automatic installment, multi-channel repayment (easy to pay treasure balance, binding UnionPay card, change treasure balance), 3 days grace period;

There are many usages: scenarios-Suning.cn, Suning Store, free cash withdrawal (later stage), and cooperative merchant payment (later stage).