Online purchase installment is divided into three steps

today, online shopping has entered the lives of many people, many of them buy computers, television and other commodities, also completed on the Internet. However, there may be some people want to buy some large amount of goods, but also fear that the monthly repayment burden too heavy. There is no need to worry about this, recently, the Alipay announced, Currently, BOC, ABC, Ping, deep development of the five bank credit cards have been supported Alipay credit card business, the consumer in the online purchase payment before the use of the installment , you can convert ordinary consumption to installment payments.

Which orders can be applied? NET purchase order is over 600 yuan

It is reported that in Taobao, cat two big platform shopping, the amount of more than 600 yuan (including 600 yuan) of orders can apply. This is the bank bill in stages (that is, through the bank net or call the Bank customer service call to apply for a certain transaction or a month bill), after the offline market staging, the Bank to promote credit card staging another big way.

It is understood that prior to the credit card phased in the main online shopping malls or by the user in the monthly credit card bill to the bank to apply, the process of relative trouble, daily Online shopping directly to complete the application of credit card instalments and procedures, this is still a recent new phenomenon.

How much is the amount of online shopping, what kind of goods use credit card in the most stages? Alipay disclosed that the current use of phased orders to 2000 yuan accounted for the largest. Categories of goods, mobile phones, 3C digital, electrical appliances, watches, bags and other categories of credit cards are more concentrated in the field.

It is reported that the current number of credit card support for 5 banks is slightly different, BOC and ABC supported the 3, 6, 9 and 12 phases of four instalments, while the Bank of ICBC, Ping An and deep development supported 3, 6 and 12, each of which was three months.

Similar to the offline credit card installment, the credit card net purchase installment does not charge the interest, the consumer only then pays the lower handling fee to be able to advance the purchase advance to enjoy.

How to buy online? Three steps to complete the installment payment

How to realize installment payment by online shopping? According to Alipay, the user in support of credit card payment of the merchant selected goods and orders can choose the "installment" option, then as long as in China Merchants Bank, BOC, ABC, Ping An, deep development of the five banks to choose one, and to confirm their need to stage the number of installments, You will be able to see in real time the total amount you are about to pay and the amount of repayment per period. The user then completes the payment with a quick payment and completes the whole

A credit card installment application.

It is understood that the installment business needs to support large credit card payment services, the current cat all stores support credit card large payment services, Taobao on the need for large amounts of business also support the service. When users search or order, just look for Taobao, day Cat support for large credit card payment of small icons, you can easily find the appropriate shop or merchandise.

Will other banks follow up? The end of the year is expected to cover all banks

It is reported that in the United States, the proportion of credit card payment has accounted for 70% of all credit card turnover, but at home, due to the difference in consumption habits, phased business promotion for many years, even the most mature banks, credit card staging ratio accounted for the proportion of total turnover is only 20%. So the industry believes that the future of this business may have a broad market.

It is precisely because of the broad market of phased business, other banks are not to be outdone. According to Alipay, in addition to the existing 5 banks, it is expected that by the end of this year, the net purchase credit card will cover all the mainstream bank credit card, the future credit card phased into a new way of life.