Shulou(Shulou.com)05/31 Report--

Audio commentary

Hello, everyone. The meeting will answer your questions. Many people still don't know how much credit card limit Apple needs by installment and how much credit card limit by installment on Apple's website. Now let's take a look at it.

Answer:

1. If you want to buy goods by installments with a credit card, the premise is that the available amount of the credit card is greater than the price of the goods purchased; for example, if you want to buy an iPhone, if the price of this phone is 5000 yuan, then the available credit card amount must be greater than 5000 yuan, otherwise you cannot pay by installments; if you pay by installments, you must pay all the goods with the credit card at once, and then apply to the card issuing bank for installment payment.

2. Precautions when using a credit card:

3. Repay on time: if the debt is not paid off on time, it will affect your credit history and collect deferred liquidated damages; diversification of consumption: you can swipe your card where you don't need it, such as restaurants, shopping malls, etc. Don't swipe your card too short: don't swipe your card too often. If the credit card payment is abnormal, it is easy for the bank to carry out risk control. Don't blindly pursue high quotas. Many people pursue credit card limits. In fact, the monthly credit card limit is enough. If the quota is too high, it will sometimes boost consumption. If the card is lost, there will be security risks. Monthly consumption has nothing to do with the credit card limit, strictly speaking, it depends on the income level, do not spend blindly because of the high credit card limit; do not overdraw. There is a service charge for overdraft. If you overdraw 10,000 yuan, you need 100 yuan handling fee, 150 yuan plus interest. This is an annual interest rate of up to 30%.

This is the end of this article. I hope it will be helpful to all of you.

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