1, with bad records, such as overdue. In fact, the cardholder's credit bank attaches great importance to it. If the credit card has an overdue record, it is likely that the application for installment payment will be rejected.

2, more than the series. Many people don't know that there is a limit on the number of credit card installments. Some banks can only apply for installment once a month, and some banks can only apply for bill installment once every three months. Therefore, you must know about the bank before applying for bill installment.

3. Failing to apply within the specified time. Installment payment of monthly bills can only be applied in the current month, and cannot be made after this time period.

4. The amount applied for installment payment is unreasonable. Banks also have regulations on the amount of application for bill installment. If the installment amount is too small, the bank will refuse, because on the one hand, the bank will get less interest, on the other hand, the bank will think that you are fully capable of paying back in one lump sum, and there is no need to adopt installment. If the installment amount is too large and exceeds the available credit card amount, the bank will generally refuse.