Last weekend, iPhoneX opened the booking, the hot degree of business expectations.
China Merchants Bank credit card official micro-said, iPhoneX open pre-sale 2 hours 33 minutes, China Merchants Bank credit card Apple official website total turnover has exceeded 20 billion.However, the saying goes to buy not sell fine. Careful people have found that Apple Mall Bank 12 period of fee-free fee activities have long been gone, the current official cooperation of China Merchants Bank only to provide three free-time fee concessions, Industrial and Commercial Bank and Agricultural Bank as long as the phased will pay the corresponding fee.
A credit card veteran told the reporter, in each platform to subscribe to Apple's mobile phone, if the cancellation of orders, consumers should also note that some banks refund the amount of money returned to the card after the date, so the refund can not be used Repayment of the bill last month, that is to say when buying a credit card to pay, even if the refund still need to repay on time, the refund can be used to offset the next month bill.
iPhoneX triggers staging heat
October 27, Apple's official website and Lynx synchronized iPhoneX pre-sale of the same day before 4 pm, that is, less than an hour after booking, two models are no longer accept the shop booking, which means that 11 Month on the 3rd iPhoneX officially opened on the day of the first batch of delivery places have been booked.
In addition, AppleStore days cat flagship store's first book is also the second grab.Liu cat data show that only 5 seconds, is expected to arrive on November 3 the first batch of iPhoneX will be sold out. It is understood that in the iPhoneX Of the booking channels, including the three major operators, as well as Suning, Jingdong, Gome and other business platform, can be iPhoneX booking.
Apple mobile phone hot, bank credit card spending data soared.According to the China Merchants Bank released data, iPhoneX open booking 2 hours 33 minutes, Apple official website through the Merchants Bank credit generated by the total amount of more than 2 billion yuan, the success of more than 19.6 Million people to each 9,000 yuan, then this time a total of about 23 million units sold iPhoneX.
In the Industrial and Commercial Bank of e to buy the mall, the reporter statistics, 2 days time, sold a total of more than 1,000 Taiwan iPhoneX. There are news that Apple in mainland China market 5 hours to sell 5.5 million iPhoneX, according to each 8388 yuan Calculated, the total amount of 46.13 billion yuan.
Because Apple's mobile phone is expensive, many people choose to buy credit card staging in the form of purchase.Currently in the official website of Apple, there are three official bank, namely, China Merchants Bank, Industrial and Commercial Bank and Agricultural Bank, the three banks to provide credit card staging activities The
China Merchants Bank is the only one to provide credit card payment fee-free bank, and is limited to 3, 12 times the handling fee of 3.85%.
Industrial and Commercial Bank of China has 4 stalls can be selected, respectively, 3, 6, 9 and 12, the processing rate of 1.03%, 1.08%, 2.75% and 3.58%.
Agricultural Bank of China has 3 stalls can be selected, respectively, 3, 6 and 12, the processing rate of 1.2%, 1.9% and 3.7%.
To iPhoneX64G, 8388 yuan to calculate the retail price, choose 12 months staging, consumers need to pay up to 27 yuan per month, the total interest paid 322 yuan.
Although more than 300 yuan seems to be limited, but to know the annual sales of Apple in the off-season, the bank's 12 installment fee is a relief in a credit card forum, many consumers are complaining, how the bank 12 period Charge of the activities canceled. Our reporter consulted Apple Mall customer service, customer service, said the credit card installment fee is set by the bank, and Apple has nothing to do with new products.
A consumer told reporters that every year the bank will be in the Apple campus season and the new sale of the early cancellation of 12 free of charge activities, to about December will be restored, after all, new sale hot, worry about selling. The cattle told the reporter, to the off-season, Apple products in the dealer channel will cut prices, the actual retail price will come down, lower than the official website retail prices, in fact, consumers are still in the official website to buy more money to buy money.
In addition to Apple's official website, in the bank shopping malls to buy iPhoneX there are more concessions.For example, in the Industrial and Commercial Bank financial e purchase platform, a number of dealers to provide 12 free fee activities, and the price and the official website synchronization.
Refunds should be noted
Data show that Jingdong Mall currently subscribed to the number of iPhoneX has been purchased to reach 2.4 million people, Suning Tesco already booked the number of people already more than one million, and from the supply chain to get the news, as of the 23rd of this month, Zhengzhou Customs supervision iPhoneX total of 86.49 million units, out of 600,000 units, domestic sales of 26.49 million units in the current Apple official website, delivery date has been discharged to 5 weeks -6 weeks later.
Apple said iPhoneX's pre-order volume has been 'a record high.' Apple spokesman said, 'from the initial reaction point of view, user demand is a record high.We are committed to as soon as possible to buy every user to buy this revolution New product of sex.
The above-mentioned mobile cattle that, although the appointment and the official website to pay more than expected, but not all effective orders, many people think that after the purchase can increase the sale, but generally only the first batch of fare increases can reach thousand, delivery time later, The less the fare increase, many people even need to advance their own money also credit card bills, is expected to be followed by some people cancel the order.
According to this reporter learned that, as most people choose to pay credit card models, in the refund when the general amount of money will be delayed, China Merchants Bank credit card customer service to the reporter said that Apple's official website booking phone, if canceled orders, refund But not all banks are so, the Bank of China, GF Bank has a cardholder to the reporter response, have encountered a refund can not offset the current issue of arrears.
Everbright Bank Credit Card Center, said the cardholder repayment amount should be based on the bill, if the business refund is in the bill later, then the amount of the bill still need to repay the cardholder, the amount can be deducted the next bill The
Mobile phone physical financial hot
Starting from 2015, the annual Shanghai Pudong Development Bank and China Mobile jointly launched the physical payment of financial products 'the first financial management.' The so-called financial management, that is, Apple's mobile phone as a real financial income target, the bank's financial income model from the traditional cash income Into a popular mobile phone, and advance to pay financial benefits, the product returned after the principal.
The iPhoneX has just started selling, the Shanghai Pudong Development Bank's initiative has been advertising first. Shanghai Pudong Development Bank announced that the registration / opening of the Shanghai Pudong Development Bank direct sales bank account, you can receive free 'first financial management - iphoneX' , By virtue of the interest code in the specified time to buy a special custom iPhoneX mobile payment products in kind.
According to the second quarter of 2017 with the opportunity to share the financial plan requirements, the purchase of 300,000 yuan financial products, product period is 255 days, the product income for the iPhoneX (256GB) a public version of the phone (value 9688 yuan), two colors The amount of the product is limited to 15 million, the financial period of 355 days, the product income for the iPhone 8Plus (64GB) public version of a mobile phone (worth 6688 yuan) , The three colors to choose from. The product is non-guaranteed floating income, the risk belongs to a lower level.
According to the reporter's calculations, according to the iPhoneX official website price of 8388 yuan, the product's annualized income of about 4.00% .According to the standard rate of standard data, September 447 banks issued a total of 9632 bank financial products (including closed expected earnings Type, open-type expected income type, net worth products), the number of issuing banks increased by 3 over the previous period, the product circulation decreased by 624. Among them, the average yield of closed-end expected RMB products was 4.60%, up 0.05 percentage points from the previous period In other words, the actual return on financial management is slightly lower than the average.