Online shopping can also apply for credit card payments directly

"The house can be installment payment, the car can installment payment, now even the net buys all can installment payment." "Yesterday, the public Zhu accidentally received a message after feeling said." It turned out that the SMS reminded her that online shopping could also apply for credit card payments, which made her feel particularly surprised.

With the rapid development of E-commerce, now online shopping is no longer a "big deal" is the absolute mainstream, customers buy more expensive digital products such as a single sum of thousands of or even tens of thousands of dollars, some of the bank's credit card business to see this business opportunity.

Yesterday, the reporter learned from a large third-party electronic payment platform, the current number of bank credit cards have been supported by the third party electronic Payment platform credit card installment business, consumers in the online purchase payment before the use of "installment" can be completed in real time, the ordinary consumption into installments.

Installment payment is one of the most important functions of credit card, in addition to the function of repayment after the credit card is realized, it allows users to spread the bill for several months to repay, and it will be easier for the users to make large consumption in advance. However, prior to the credit card phased in mainly online shopping malls or by the user in the monthly credit card statements to the bank to apply, the process is relatively troublesome, daily Online shopping directly to complete the application of credit card instalments and procedures, this has recently emerged.

The relevant head of the Third-party electronic payment platform says users in support of credit card payment of the merchant selected goods and orders can choose the "installment" option, then as long as the business has opened the bank, BOC, ABC and other 5 banks to choose any one, and 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. Subsequently, the user completes the payment and completes the whole credit card installment application. "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." ”

It is understood that the current use of the order by instalment of about 2000 yuan accounted for the largest, the category of goods, mobile phones, 3C digital, electrical appliances, watches, bags and other categories are "credit card phased" more concentrated areas.

By the end of this year, the network to buy "credit card staging" will cover all the mainstream bank credit cards, the future "credit card staging" is expected to become a new way of life online shopping.