As long as you have a credit card, you can buy things by mortgage, but the credit limit must reach the price of the goods you want to buy. Bank cards are only used to temporarily store money. If the card has money, you can use a credit card. If there is no money, you can't make a mortgage.

Before buying a mobile phone, you need to go to the bank or ATM to check the credit limit. If you meet the purchase conditions, you can purchase directly by swiping your card. Then the bank will have a customer service manager to contact and communicate the repayment. Some goods will be repaid in full when they sign a contract with the bank, and then they will be repaid monthly.

Extended data:

As of June 20th this year, Guigang Administration for Industry and Commerce 123 15 Center has received 13 inquiry about installment consumption. Such complaints usually have the following problems:

First, the interest of installment payment is often ignored by consumers, and merchants do not take the initiative to inform them;

Second, consumers sign installment contracts without reading them, often only to find out later that the contract has clearly listed the rights and obligations of both parties, including key information such as the number of installments, down payment, interest and monthly payment. Consumers often only see the small monthly repayment amount, without carefully calculating whether the total amount really benefits from installment purchase;

Third, some consumers only sign electronic installment agreements with merchants, and do not keep the paper version, so they are confused about their loans and repayments.

Reference resource source:

People still need to be cautious about online staged consumption.