Which bank's credit card does Apple need?

With the price of Apple mobile phones getting higher and higher, more and more users began to consider using Apple's installment payment. However, before using the Apple installment function, you need to have a qualified credit card. So, which bank's credit card does Apple need for installment? This article will analyze this problem from multiple perspectives.

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1. Credit card supporting Apple installment

First of all, it should be noted that not all credit cards support the Apple installment function. At present, in mainland China, only credit cards of China Merchants Bank and Bank of Communications support Apple installment. Therefore, if you want to use the Apple installment function, you need to apply for a credit card from China Merchants Bank or Bank of Communications.

2. Restrictions

In addition to selecting the right bank, you also need to meet some conditions to use the Apple installment function. First of all, you need to have a credit card in mainland China bound to your Apple account. Secondly, your credit card needs to have enough amount to pay the installment amount you choose. Finally, you need to pass Apple's official credit assessment to qualify for installment payment.

3. Calculate the installment cost

Although you can pay by instalments with Apple, you need to pay a certain amount of instalments. Specifically, you need to pay interest and handling fees for each installment. The interest and service charges vary for different periods. Therefore, you need to carefully calculate the cost of the installment and select the most appropriate number of installments.

4. Select the bank according to personal conditions

Finally, you also need to choose the right bank according to your personal situation. Specifically, you can choose from the following aspects:

-Credit card limit: If your credit card limit is high, you can choose a longer number of installments, so that the monthly repayment limit will be more stable.

-Installment Fees: Different banks have different installment fees. You can select the most appropriate bank by comparing the fees of different banks.

-Credit score: If your credit score is high, you can consider choosing the credit card of Bank of Communications, because the installment rate of Bank of Communications is low.

In conclusion, before using the Apple installment function, you need to select the correct bank, and select the appropriate installment number and bank according to your personal situation. At the same time, it should be noted that installment payment will incur certain costs, which need to be calculated carefully.

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