Buy a computer by installment with a bank card.

How to buy a computer by installment with ICBC credit card

Please log in to ICBC e Life, log in to the "Finance" page, select the credit card that needs to handle installment business, enter the "installment payment" function, select "installment payment" on the page, check the consumption record and handle the installment payment.

Tips: During the operation, the system will display the handling fee collection method and interest rate, and automatically calculate the handling fee you need to pay.

(Answer time: June 9th, 20021year. In case of business changes, please refer to the actual situation. )

How to use a credit card? I want to buy a computer by installment!

Hello, at present, the loans on the market can basically be paid in installments to ease the financial pressure, and the time is between 3 months and 3 years. Choosing installment payment should not only choose a long term and low pressure, but also choose a regular big brand. The loan platform is guaranteed and the funds and personal information are safe.

I recommend you to use Xiaoman Finance Money Flower, a credit service brand under Xiaoman Finance (formerly known as Baidu Money Flower). Big brands are reliable and trustworthy with low interest rates. Xiaoman Finance has money to spend on personal consumer credit products. The maximum loan amount is 200,000 yuan (click the official calculation), and the daily interest rate is as low as 0.02%. It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security.

I want to share with you the application conditions of financial management: it is mainly divided into two parts: age requirements and information requirements. 1. Age requirement: 18-55 years old. Special note: If you are a college student, please give up the application. Information requirements: You need to provide your second-generation ID card and your debit card during the application process. Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards. Please borrow money reasonably according to your own needs. The specific product-related information is subject to the actual page of Xiaoman Financial APP.

This answer is provided by Du Xiaoman Financial Money Flower. I hope this answer is helpful to you.

How to buy a computer by installment?

First of all, we should know whether the shopping mall supports staging and which banks' credit cards are generally like Lenovo. HP. Dell official website has installment products, and some shopping websites also support installment payment. So where are you going to buy them and apply for a credit card from the relevant bank? There is free customer service on the shopping website, starting with 400 (mobile phone) and 800 (landline), such as the card of China Merchants Bank. For example, if you buy a 3000 computer, if you pay in three installments, that is, the first month 1000+ 30000.05% =1015+the second month1000+the third month1000. If it is paid in six installments, the first month will be 500+30000.

Can I buy a computer by installment?

Buying computers in installments is as common as buying mobile phones in installments.

In this era of low interest rates, if you can buy things by stages, try to buy them by stages, because staging means picking up bargains.

The computer that has been used for many years buzzes and keeps restarting, and the running speed and file processing efficiency are getting worse and worse. At this time, as a user of this computer, the first thought in your mind is that it is time to change the computer.

So you go to the computer shop in the mall and show your intention, and the staff will recommend you to pay for the computer, and you can get it back as long as 180 yuan a month.

In this case, do you want to buy a computer by stages?

First of all, let's talk about the benefits of buying computers by stages.

The biggest advantage is to reduce the economic burden.

For example, an apple or Lenovo computer costs 5,000 yuan, which is paid back in 24 installments in 2 years, and only needs to pay back more than 200 yuan every month.

So you don't need to pay in one lump sum. This kind of shopping is very popular among college students and working-class people, which greatly reduces their economic pressure.

Next, let's talk about the disadvantages of buying computers by stages.

The main disadvantage is that consumers need to pay interest.

Many installment shopping websites and platforms attract customers with zero interest, which looks beautiful, but interest costs usually exist in the form of management fees and servers. Otherwise, there will be no profit, and there will be no seller to provide this staged house.

So when you want to do computer staging or mobile phone staging, you must be cautious when you see zero interest rate or zero interest rate.

Buying a mobile phone by stages has advantages and disadvantages, depending on your strength and attitude.

If the funds are strong, you can pay the full amount in one lump sum.

If the money is not enough, installment payment is also good.

What are the methods of computer staging?

Buy a computer by installment, you can use credit card, Tmall, JD.COM, Bai Hua installment, airplane rental installment, white installment and so on.

Can I buy an Apple computer by installment?

Of course. As long as it is an offline direct store, you can buy Apple products in installments. Apple official website and Apple Direct Stores support credit card installment payment, with five options: 1, 3, 6, 12 and 24, all of which are interest-free. Banks that support credit card installment payment include Industrial and Commercial Bank of China, China Construction Bank and China Merchants Bank. In addition, Alipay Flower Garden can also be used for installment payment, but Flower Garden does not support 24 interest-free installments.

Installment payment is mostly used for some product transactions with long production cycle and high cost. Such as the export of complete sets of equipment, large vehicles and heavy machinery and equipment. Installment payment means that after the import and export contract is signed, the importer pays a small part of the payment to the exporter as a down payment, and most of the rest is paid in installments after part or all of the products are produced and shipped, or after the goods are installed, debugged, invested and guaranteed.

Development history:

Installment payment was developed after the Second World War. At first, it was limited to buying ordinary daily goods or services. Later, with the rapid development of productivity, the scale of industrial and agricultural production is expanding day by day, and the required expenses are increasing day by day. In addition, with the development of bank credit, the field of installment payment has expanded to enterprises that buy large machinery and equipment and raw materials.

With the improvement of China's financial services and the change of people's consumption habits, installment payment, which is popular abroad, has been introduced to China and quickly recognized by domestic consumers. It is usually young people who have poor current payment ability but have consumer demand who spend by stages. The products it consumes are usually laptops, mobile phones and digital products.

Installment payments are usually provided by banks and installment suppliers. Banks provide consumers with personal consumption loans equivalent to the amount of goods they buy, and consumers use the loans to pay their suppliers, who provide guarantees for consumers and bear irrevocable joint and several liabilities. Young people who spend by installment are often called "installment families".

Is it feasible to buy an Apple computer by installment with a credit card?

Apple official website asked to use one of ICBC, China Construction Bank and China Merchants Bank for installment payment.

Supplementary information:

1. You can use the credit cards of China Merchants Bank, China Construction Bank and Industrial and Commercial Bank of China to purchase AppleStore online or offline on Apple's website, and enjoy up to 24 interest-free offers. There are also 12, 6, 3 and the lowest 1 to choose from, while Huayuan only supports 12 interest-free at most.

2. The purchase process in official website is to select your product, enter your credit card details or scan the QR code, and choose 24-month installments.

Extended data:

1. What is credit card installment payment?

Credit card installment payment refers to the process that when the cardholder uses the credit card to make a large amount of consumption, the bank pays the consumer funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum, and then the cardholder repays the money to the bank in installments and pays the handling fee. According to the cardholder's application, the bank deducts the consumption funds and handling fees by stages through the cardholder's credit card account, and the cardholder repays according to the monthly recorded amount.

Second, the main benefits of credit card installment payment:

1. Enjoy first, then pay.

2. There is no guarantor, and the procedure is simple.

3. Fixed time and convenient payment.

4. Pay at will. The monthly repayment amount is optional.

5. More space to choose payment methods.

Three, part of the bank credit card installment details:

1. The credit card installment business of China Bank can be divided into "easy installment", "mail order installment" and "merchant installment".

Bank of China has specially customized the payment method of "Easy Purchase by Stages" for BOC credit card holders, so that you are no longer restricted by designated shopping malls and designated commodities, and you can apply with a customer service phone number, which is simple, convenient and easy to buy your favorite things. You only need to spend more than 1000 yuan with a single credit card, and you can convert this ordinary consumption application into installment payment on the trading day. You can choose the number of installments of 3 months, 6 months, 9 months, 12 months, 18 months and 24 months. We will charge a one-time installment fee.

Number of installments and installment rate

The third stage 1.95%

The sixth stage is 3.6%

5.4% in the ninth stage

12 7.2%

18 1 1.7%

24 issues 15%

2. Guangfa Bank Guangfa Credit Card launched "Yangyanghang" interest-free installment payment. As long as the single consumption reaches 500 yuan, you can call 95508 to register for installment payment.

Period of GDB card: 6 months, 12 months, 18 months, 24 months.

Number of installments and handling fee standard:

The number of periods (monthly 1 period) is 6, 12, 18 and 24, and the service fee rate of each period is 0.7%, 0.7%, 0.72% and 0.72% respectively. Guangfa Bank can also handle postal installment business, and the commodity providers mainly include Digital China and Founder Technology. The staging method is the same as that of China Merchants Bank.

Guangfa controls the quota according to whether it will be frozen after the audit, mainly depending on the audit results.

Handling fee: installment handling fee is charged monthly; It cannot be changed after installment payment. If the repayment is made in advance, the handling fee will be charged according to the selected number of installments.

3. ICBC Peony Credit Card installment payment service is only provided to individual customers of Peony International Credit Card and Peony Credit Card.

The initial amount of ICBC Peony Card installment business is RMB 600 yuan, HKD 600 yuan, USD 65,438+000 and EUR 65,438+000 respectively, and the installment business cannot be handled for consumption below the initial amount.

4. Installment payment for credit card consumption of China Construction Bank Longka is only provided to the cardholders of Longka dual-currency credit card and Longka RMB credit card; The initial amount of the installment payment business of CCB is RMB 1000 yuan; Number of optional periods: 3, 6 or 12 periods can be selected freely (once a month).

This concludes the introduction of credit card installment and bank card installment. I wonder if you have found the information you need?