天猫分期是怎么扣钱的

在当今的电商时代，天猫作为备受欢迎的购物平台，为消费者提供了丰富的商品和便捷的购物体验。其中，天猫分期这一支付方式受到了许多消费者的关注。那么，天猫分期究竟是怎么扣钱的呢？

首先，我们需要明确的是，天猫分期的扣钱方式与花呗密切相关。在支持分期付款的店铺选中要购买的且支持分期的产品后，填写收件人信息。在确认订单信息页面，勾选花呗分期付款后，选择分期的期数、手续费、费率及每期还款的金额，然后提交确认即可。这样，会根据您选择的分期情况在花呗里进行扣款。

值得注意的是，想要进行天猫分期付款，是要通过蚂蚁花呗付款才可以的。蚂蚁花呗是支付宝旗下的一款专门用于淘宝消费的贷款产品。在对天猫进行分期付款的时候首先需要选择蚂蚁花呗付款方式，这样就会通过蚂蚁花呗里面的额度提前垫付购物。

在购物以后，在蚂蚁花呗界面选择分期还款模式。蚂蚁花呗分期还款是通过每个月九号系统自动扣划支付宝额度进行的，所以在还款日来临的时候一定要保证支付宝里面的金额足够偿还蚂蚁花呗分期的额度。

另外，在天猫上用花呗分期购物，本身就是需要在支付时一次性扣全款的。所谓“分期付款”，并不是指支付金额可以分期从付款账户里扣除，而是指客户在用付款账户一次性支付全额后，可以按照所选期数分月逐期偿还，不必一次性还清。

也正是因为分期付款也需要一次性支付全额，所以用花呗在天猫上分期购物时，花呗可用额度必须要不低于商品金额才行。若花呗可用额度低于商品金额，那客户就没法用花呗分期购买该商品了，只能换另外一种付款方式。或者客户可以先尝试去领取花呗临时额度，若领取临时额度后，花呗可用额度足以支付商品金额了，那就可以用花呗来付款。

总之，天猫分期的扣钱方式虽然看似复杂，但只要我们了解清楚其中的规则和流程，就能更好地利用这一支付方式，满足我们的购物需求，同时也能合理规划自己的财务。

How Does Tmall Installment Payment Work?

In the current era of e-commerce, Tmall, as a popular shopping platform, offers consumers a rich variety of goods and a convenient shopping experience. Among them, Tmall installment payment has attracted the attention of many consumers. So, how exactly does Tmall installment payment deduct money?

Firstly, it should be made clear that the deduction method of Tmall installment payment is closely related to Ant Credit Pay. After selecting the desired and installment-supported products in the supported store, fill in the recipient's information. On the confirmation order information page, check the Ant Credit Pay installment payment option, select the number of installments, handling fees, rates, and the amount of each repayment, and then submit for confirmation. In this way, the deduction will be made in Ant Credit Pay based on the selected installment plan.

It is worth noting that for Tmall installment payment, it is necessary to use Ant Credit Pay. Ant Credit Pay is a loan product under Alipay specifically designed for Taobao consumption. When making installment payments on Tmall, the first step is to select the Ant Credit Pay payment method, which will advance the purchase amount using the credit limit of Ant Credit Pay.

After the purchase, select the installment repayment mode on the Ant Credit Pay interface. The repayment of Ant Credit Pay installments is automatically deducted from the Alipay limit on the 9th of each month. Therefore, when the repayment date approaches, it is essential to ensure that the amount in Alipay is sufficient to cover the Ant Credit Pay installment.

In addition, when using Ant Credit Pay for installment shopping on Tmall, the available credit limit of Ant Credit Pay must be no less than the product amount. If the available credit limit of Ant Credit Pay is lower than the product amount, the customer cannot purchase the product using Ant Credit Pay installment and has to choose another payment method. Or the customer can try to obtain a temporary credit limit of Ant Credit Pay. If after obtaining the temporary limit, the available credit limit of Ant Credit Pay is sufficient to cover the product amount, then Ant Credit Pay can be used for the payment.

In conclusion, although the deduction method of Tmall installment payment may seem complicated, as long as we understand the rules and processes clearly, we can make better use of this payment method to meet our shopping needs and at the same time, plan our finances reasonably.