2. The cardholder's spending amount has not reached the minimum installment amount of the credit card, and there is a limit.
There are too many credit card installments, and some of the balance has not been returned.
4. The amount applied for installment payment exceeds 90% of the current bill amount.
5. The transaction type does not support installment, nor does the merchant support installment.
6. Other comprehensive scores are insufficient.
What should I do if I can't repay my credit card?
1. If the credit card is overdrawn for any reason, please consult the bank staff before the repayment date. In the process of negotiation, explain the reasons for not being able to repay, show a positive willingness to repay, and try to apply for a personalized repayment plan. It is difficult for banks to apply for suspension of interest payments, and the review will be more stringent.
2. If it is overdue or even longer, it is more difficult to apply for a customized repayment plan. In addition, due to high consumption, it is difficult to apply for overdraft. If the application is successful, the longest repayment period can be set within 5 years, which is very good.