Why can’t I pay for installments with my CCB credit card? How to divide it into installments?

In fact, there is no direct relationship between the inability to pay for credit card installments and the blocking of the card. There are many cardholders who cannot pay for installments but can still use their cards normally. Of course, there are also some who cannot pay for installments and have their cards blocked. Both situations are the same. It might happen. The key still depends on the reason behind the instalment.

The main reason why the credit card cannot be installmentd is because of insufficient comprehensive score, including failure to meet the installment requirements, and being risk controlled by the bank.

1. The installment requirements are not met

This is easy to understand. Many banks have set the starting amount, total installment amount, and installment time for credit card installments. All three conditions can be met. Installments will be given only if you are satisfied.

Take China Merchants Bank as an example. The minimum amount applied for each bill installment is not less than 300 yuan. It can only be applied between the day after the current bill date and the due date of repayment. The maximum amount that can be applied is The actual evaluation results shall prevail.

2. Credit cards are subject to bank risk control

In fact, there is no standard use of cards, and credit cards are used for daily consumption, so that the card usage behavior is judged as abnormal transactions by the banking system, and the bank will not It will be divided into installments. If it's just that you can't make installments, it's okay. The worst result is that the bank will block the card and you can no longer use the card.

For example, if you often max out your credit card at once, always spend money at a POS machine, swipe your card outside normal business hours, etc., it is easy to be risk controlled, and you will also be imprisoned during risk control. The Black Room will no longer issue installments. If it is serious, the card will be blocked directly.

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Why can’t I apply for bill installment for my CCB credit card? It says that the card is not in normal status. What’s going on?

The status of the bank credit card is abnormal. It may be because the card is reported lost, frozen, etc.

1. Entering the wrong password more than 3 times will cause the card to be locked, which will cause the online banking card to display abnormally. It is recommended to bring your ID card to the bank counter to unlock it.

2. The online banking card has a loss report record, causing an abnormality. It is recommended to confirm clearly.

3. The card usage exceeds the limit, or the temporary limit has been applied for, but the temporary limit has expired. In this case, the excess part can be returned first. After the repayment is received, the remaining amount can be applied for. Installment

China Construction Bank Long Card Credit Card is a credit card brand with 90 million customers. It adheres to the customer-centered concept and provides customers with professional financial services and convenient payment experience. There are more than 100 credit card products in multiple series such as Longka Family Love Card, Global Popular Card, Tencent Game Card, etc., to meet customers' various consumption needs such as domestic and overseas transactions, family care, and installment financing. Special offers such as Dragon Card Saturdays, cash rebates for overseas purchases, and a variety of installment products help customers manage finances easily and consume smartly.

Reference material: Baidu Encyclopedia - Construction Bank Credit Card

Can CCB Credit Card be repaid in installments?

Construction Bank Credit Card can be repaid in installments.

Currently, CCB has six types of installment businesses: car purchase installment, decoration installment, merchant installment, consumption installment, bill installment and cash installment. Car purchase installment and decoration installment refer to buying a car and renovating a house in installments, and merchant installment refers to the installment business. Conduct installment transactions with merchants that cooperate with CCB. Cash installment means withdrawing cash from a credit card and then repaying it in installments. Consumption installment means applying to the bank for installment repayment of consumption before the bill date. Bill installment means applying to the bank for installment repayment after the bill is issued.

The CCB credit card installment application method is as follows:

1. CCB credit card SMS application for installment. Use the mobile phone number reserved with China Construction Bank, edit the text message "CCZZ#last 4 digits#amount#issue" and send it to the official phone number of China Construction Bank to apply for installment repayment.

Operating environment:

Brand model: Xiaomi 12Pro

System version: Android11MIUI13

app version: v5.6.7.001

2. CCB credit card mobile banking installment. Enter "CCB Mobile Banking", click "Credit Card" - "Bill Installment Application" and fill in the information as prompted.

Operating environment:

Brand model: Xiaomi 12Pro

System version: Android11MIUI13

app version: v13.2.0.10

3. CCB credit card online installment. After logging into the official website of CCB using Baidu browser, personal online banking users select "Credit Card Inquiry" - "Select" - "Query Issued Bills" - "Apply for Bill Installment".

4. CCB credit card telephone installment. To apply by phone, call the CCB credit card customer service number, enter the information and follow the prompts.

China Construction Bank credit card can be divided into up to 24 installments. Construction Bank credit card installments include: bill installments, cash installments, car purchase installments, and consumption installments. The installment handling fees for these four installments are different. The installment handling fees As follows:

1. Construction Bank credit card cash installment rates: 0.81 for 3 periods, 0.75 for 6 periods, 0.75 for 12 periods, 0.75 for 18 periods, and 0.75 for 24 periods.

2. Construction Bank credit card bill installment rates: 0.75 for 3rd period, 0.70 for 6th period, 0.65 for 10th period, 0.60 for 12th period, 0.60 for 18th period, and 0.62 for 24th period.

3. The installment rate for car purchases with China Construction Bank credit card will be determined based on the car dealer and model you choose.

4. Construction Bank credit card consumption installment rate: 0.70 for 3 periods, 0.60 for 6 periods, 0.6 for 10 periods, 0.60 for 12 periods, 0.60 for 18 periods, and 0.60 for 24 periods.

Let’s stop here to introduce how CCB credit card cannot be paid in installments.