If your application for installment is unsuccessful, it must be reasonable for the bank to ask you to standardize the use of the card. Because the bank has a special department to monitor the customer's card use, they must think that your card use is abnormal or your previous repayment is not timely, so you can't do the installment. If the bank says no, of course not. What would I do without it?

If you can't pay the full amount in installments, you can make repayment according to the minimum repayment amount shown on the bill before the final repayment date of each month, which will not affect your personal credit, except that your consumption does not enjoy the interest-free period, and the bank will charge interest in full at the rate of five ten thousandths per day from the date when your consumption is credited. If the minimum repayment amount is not paid every month, there will be a late payment fee, which is = (minimum repayment amount-paid amount on the due repayment date) × 5%, and the minimum 5 yuan (1 USD/Euro). And as far as I know, every bank's credit report to customers should be truthfully reported, and customers' overdue credit card accounts should be reflected in the credit information system of the People's Bank of China. So this is very important!