The premise for students to buy mobile phones by stages is to have Zhang Xuesheng's credit card and then open online banking. If you already have a credit card and have opened online banking, you can go directly to the online mall or physical store to buy a mobile phone. There are two ways for students to buy mobile phones by stages: 1. After buying the mobile phone, the mall calls the credit card center to choose installment payment. 2. To buy a mobile phone online, first pay the full amount with a credit card, and then log in to the online bank of Bank of Communications to set up installment repayment for the paid transaction, generally 3. 6.9. 12. You can set it at will, but sometimes you have to charge a handling fee. Staging is just a letter.

I use my card to repay the loan in installments. In fact, the online payment has been paid in full.

Buying mobile phones by stages has become the first choice for college students.

First, JD.COM IOUs.

JD.COM White Strip was introduced by Jingdong Finance and can be used for installment payment. The credit line is generally around 3,000 yuan, with the maximum number of installments 12. Almost all self-operated commodities in JD.COM can be divided into stages with white stripes.

The main disadvantage is that the quota is not very high and it is difficult to buy high-end opportunities. For the quota of 3000, you can choose the low-end machines of OPPO, VIVO, Xiaomi and Huawei, or you can choose the old models of Apple iPhone.

Second, the ant flower bud.

Ant Flower Garden is a credit consumption service launched by Alibaba's Ant Financial Service, and it can also be paid in installments. After applying for certification, college students can get 1000 to 3000 places. When the price of purchased goods exceeds that of 600 yuan, Bai Hua can be used for staging, and at most 12 can be used.

Because of the low credit line, the models that can be selected are mainly mobile phones with relatively low configuration.

Third, the installment payment of aircraft leasing.

Flying rent installment is an installment shopping app for young people. At present, the maximum publicity is 20 thousand, and you can buy the high-end configuration of domestic brand machines and the mid-end configuration of foreign brands.

At the same time, the empty rent installment provides up to 60 installments, which can greatly alleviate the financial pressure.

For example, if a Huawei P20 with a price of 4,999 yuan is divided into 60 installments, it only needs to pay back the principal of 83.35438+0 yuan and a certain management fee every month, which is basically no pressure for young people.

These are three ways to buy a mobile phone by stages. When buying a mobile phone by stages, you must maintain rational consumption according to your repayment ability.