I am a student of Changzhou University. Recently, I took a fancy to a mobile phone in JD.COM Mall. I can't get the money at the moment, so I want to use their installment payment.

Hello, my friend, I used to be the customer service of China Bank. Let me answer you one by one.

1. Telephone installment refers to the service of submitting credit card-related information to merchants by telephone to realize online real-time installment payment of purchased goods or services. According to the total price of the goods or services purchased, the cardholder can choose to pay in installments (monthly) such as 3 installments, 6 installments, 12 installments, and repay the credit card money on time in each installment (month). Because you don't have a credit card, ordinary bank cards don't have the function of installment, so you can't telephone installment.

The conditions for applying for a credit card are too long, so I won't copy it for you. Official website's credit card can be found in any bank. Generally, the application conditions are the same, except for the platinum card, which is usually proof of income. If you want to do it, I'll teach you a trick. Just work in KFC, and they will help you. Many of my friends do this. Don't consider the student card of China Bank just because it is 0.

3. If an accident happens and you don't repay, I remember that you will be blacklisted after three repayment days, and then you will be urged to pay. Hehe, there are not so many accidents. It is most important to cherish your credit history.

4. There are many methods of staging. 1. Staging on the website, some websites provide that function; 2. Call customer service by stages; 3. Online banking by stages

That's it. You can ask me if you don't understand, and I'll tell you in detail.