It's possible.

Why can't Guangfa Credit Card be divided into stages?

1. Staging conditions are not up to standard: for example, the minimum amount of installment consumption has not been reached, or the new credit card has not issued three bills, the new consumption is not in the current period, and the staging conditions are not up to standard, so it is natural that installment cannot be handled.

2. The transaction type fails to meet the requirements: it is usually credit card fees such as installment deduction, annual fee and liquidated damages; Transactions such as transfer/cash withdrawal/gold transaction/hotel pre-authorization; Dispute transaction; Funds used to purchase foreign exchange; Temporary quota adjustment/pre-authorization/gambling; Other transactions stipulated by the bank do not support installment payment.

3. Being controlled by system risk: If there are abnormal transactions, such as not using credit cards for daily consumption and being controlled by the banking system risk, credit cards will be blacklisted, that is, people often say that they will be locked in a dark room. Or if you have handled too many installments and used the minimum repayment amount many times, the bank will think that the repayment ability is insufficient, and there will be the possibility that you cannot handle the installment.

China guangfa bank was established in September 1988 with a registered capital of RMB114.08 million, and its headquarters is located at No.713, Dongfeng east road, Yuexiu district, Guangzhou, China. With the approval of the People's Bank of the State Council and China, Guangdong Development Bank, as a pilot bank for financial system reform in China, was established on the beautiful Pearl River and is one of the earliest joint-stock commercial banks in China.

On April 8, 20 1 1, with the approval of the regulatory authorities and relevant government departments, the original registered name of Guangdong Development Bank Co., Ltd. was changed to "Guangfa Bank Co., Ltd.". The English name was changed to "ChinaGuangfaBank" ("China guangfa bank").

By the end of June 2020, the total assets of Guangfa Bank were 28 1 trillion yuan, an increase of 6.84% compared with the beginning of 2020; The total liabilities were 2.59 trillion yuan, an increase of 7.02% compared with the beginning of 2020. In the first half of 2020, Guangfa Bank achieved an operating income of 40.907 billion yuan and a net profit of 6.486 billion yuan. On March 9th, 2020, "20 109 China Banking 100 Top List" was released, and Guangfa Bank ranked 16.

Why can't my credit card bill be paid in installments?

Take Guangfa Bank as an example, because it does not meet the conditions of bill installment.

The cardholder's qualification to apply for bank bill installment business is also restricted by the bank's risk policy. Only when the cardholder meets the access conditions of the bank's risk policy can he handle the bill installment business. Whether the cardholder is qualified to apply for business shall be subject to the examination of the bank.

Cardholders applying for bill installment business must at least meet the following conditions:

1. If the cardholder applies for RMB bill installment business, the installment amount of RMB bill in the current period must be in 500 yuan or above; To apply for (USD) bill installment business, the installment amount of the current USD bill must be above USD 50;

2. The maximum amount of the cardholder's application for bill installment shall not exceed 95% of the current bill amount and 80% of the cardholder's current installment business quota. The actual amount is subject to the approval of the bank;

3. If the cardholder applies for (US dollar) bill installment business, he can only use the principal part of the US dollar bill amount of the RMB-US dollar dual-currency card or single-currency card he holds for (US dollar) bill installment, and the repayment card should choose a RMB account credit card that the bank can use for bill installment.

Extended data:

Once the cardholder's bill installment application is approved, it cannot be revoked and the number of installments cannot be changed. Whether the cardholder's bill installment application is passed or not shall be subject to the comprehensive evaluation result of the bank. If the cardholder fails to apply for bill installment, he will repay the bill normally according to the bank regulations. Whether the cardholder is eligible to apply for bill installment again shall be subject to the comprehensive evaluation results of the bank.

After the cardholder successfully handles the bill installment, if the cardholder fails to fully repay the remaining bill amount after deducting the bill installment amount in the current period, it will be regarded as incomplete repayment, and even after the customer applies for bill installment, it will still generate circulating credit interest or liquidated damages.