In official website, Apple Online Store, we can see the introduction of free installment payment; At present, the banks that support credit card installment payment are ICBC and China Merchants Bank. It can be seen that as long as the installment does not exceed 12, it is free. If you want to pay in installments, you can consider buying directly at Apple official website.
2. Credit card installment discount list
Scheme 1: ABC can cash back at least 5% and at most 10%, and there is a card free of currency conversion fee (Youyou World Card, which can be applied online).
Scheme 2: 65,438+00% cash back from Shanghai Bank, but the maximum cash back is $50, and the maximum cash back is $65,438+050 per customer. You can buy up to 3 sets and brush them three times. According to the average of 5000 sets, it can reach about 6. 1%, but the freight forwarding fee is 1%.
Option 3: CITIC UnionPay card will return 200 yuan when it is over 5000 yuan, with 4% rebate.
It is capped at 400 per month, or you can buy 2 sets. The exchange rate of Hong Kong dollars and RMB is basically the same.
Scheme 4: 5% rebate for CITIC Visa card (excluding all-currency link) from Hong Kong, Macao and Taiwan. Cap $ 100, buy two iphone6, but CITIC V card has a currency conversion fee of 1.5%, which is equal to the actual rebate of 3.5%, so if the price exceeds 5800, it will completely win the CITIC UnionPay card activity.
Option 5: The UnionPay card of China Bank will be returned for 800 yuan 100, and the rebate will be about 2%, which is limited to one time.
Option 6: 2%-6% cashback of Minsheng Visa card. If you buy an iphone, 3% at most. Counting Minsheng Freight Forwarding 1.5% is actually equal to 1.5% rebate.
Scheme 7: ICBC will return to 50 yuan after RMB 5,000, 1%. Less is better than nothing.
3. Comparison of credit card installment payment
Hong Kong version price: iPhone6 RMB 4424.
It can be seen that Huaxia Bank has the lowest total interest handling fee, followed by ICBC, Bank of Beijing and Agricultural Bank. China Merchants Bank, China Everbright Bank and Minsheng Bank have the highest total interest.
Comparing the six issues, we can see that Huaxia Bank is the lowest, followed by China Bank, Agricultural Bank, Industrial and Commercial Bank of China and Beijing. The highest is Shanghai Pudong Development Bank.
Comparing 12 installments, we can see that Huaxia Bank has the lowest installment total interest and Shanghai Pudong Development Bank has the highest.
You don't have to sell your kidneys to buy a mobile phone. Reasonable use of credit cards, installment payment through Apple officials or operators, and clever choice of the most favorable payment method can save you a sum of money.