Having just finished shopping on Double 11 and Double 12, Double Day is about to hit again, and many consumers’ wallets are already empty. The children of the hand-picking party were filled with joy while watching the package delivery information reminders on the screen, and at the same time, their hair fell out because of the bloody bills. When there is insufficient funds for credit card repayment, the first thing we think of is bill installment. But when we actually need to use them, many people will be surprised to find that their installment requests are ruthlessly rejected. What's going on? As we all know, there are thresholds for credit card bill installments.

First, the comprehensive score is insufficient

Some cardholders received a prompt of “Insufficient comprehensive score” after submitting their bill installment application. How much consciousness is there in this vague and abstract concept?

Usually there are the following situations:

1. The bank needs to evaluate the cardholder. If the cardholder has not used the card for a long time, or the credit limit is low, it means that the cardholder has not won enough trust from the bank. Then the bank will often make a decision based on your credit rating, consumption repayment situation, personal income, and subsequent usage. Whether to authorize the bill installment function for you.

2. Cardholders may cash out or overdue their cards. Many young credit card holders have not developed good card usage habits, such as frequently maxing out their credit cards, frequently withdrawing cash from POS machines, and swiping their cards during abnormal marketing periods. These behaviors will cause the bank to judge that your consumption behavior is bad and there is arbitrage, and you will be locked up in a dark room by the bank.

Two. Exceeding the number and time of stage appearances

In addition, generally speaking, you can only apply for the current month's bill installment. Cardholders can handle bill installment business from the day after the current bill date to the last repayment date. After this period of time, the current month's bills cannot be temporarily stored.

Three. The withdrawal amount and temporary limit cannot be temporarily deposited.

This rule is quite tragic. If your credit card is mostly used for cash withdrawals, or you applied for a temporary limit when the shopping festival is approaching, then unfortunately, these bills cannot be paid in installments. Because the bank expressly stipulates that the cash withdrawal limit and temporary limit cannot be paid in installments.

The best way is to consume rationally and repay the loan in full. After all, the handling fees for credit card installments are staggering! Related Q&A: Why can’t my Everbright Credit Card be paid in installments?

If the customer’s Everbright Bank Credit Card cannot be paid in installments, it may be due to the following reasons:

1. The bill amount does not reach the installment limit. Starting amount. China Everbright Bank has regulations that the amount must be greater than RMB 100 (inclusive) before you can apply for installment.

2. Missed the installment application time. For example, if you apply for bill installment through mobile banking, you need to apply from the second day of the bill date to three days before the repayment date; if you apply through "Sunshine Hui Life", you need to apply from the second day of the bill date to the repayment date. Can apply.

3. There is an overdue record on the credit card.

4. The credit card account exceeds the limit, and there is unrecorded repayment on the day of application for bill installment.