The reasons why the credit card cannot be installmentd are:

1. The cardholder has violated the card usage and overdue behavior when using the credit card;

2. The consumption amount has not reached the The minimum limit stipulated by the credit card installment;

3. The credit card installment amount is too much, and there is still some outstanding balance;

4. The amount applied for installment exceeds the current bill amount 90%;

5. Consult the merchant, some merchants do not support installment.

Credit card installment methods:

1. Handle at an outlet. Cardholders can bring their ID cards and credit cards to the bank business hall, apply for credit card installments from the staff, and then fill in the application form. After filling in, you can apply;

2. Customer service phone number. Cardholders can call the customer service number of the credit card center. After answering the phone, follow the prompts to connect to the manual service, and then indicate to the staff that they want to handle the credit card installment business;

3. Online banking. Cardholders can log in to the official website of the card issuer, find the credit card column, select the installment payment business, and then log in to their personal account to handle it.

Legal basis: Article 70 of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks"

Under special circumstances, it is confirmed that the amount of credit card debt exceeds the cardholder's repayment ability and the If the cardholder is still willing to repay, the card-issuing bank can negotiate with the cardholder on an equal footing to reach a personalized installment repayment agreement. The maximum period of a personalized installment agreement shall not exceed 5 years.

The contents of the personalized installment repayment agreement should at least include:

(1) Arrears balance, structure, currency;

(2) Repayment Period, method, currency, date and repayment amount of each period;

(3) Whether annual fees, interest and other fees will be charged during the repayment period;

(4) Holding The cardholder shall not apply for a credit card commitment from any bank before all amounts related to the personalized installment repayment agreement have been settled;

(5) Rights, obligations and liability for breach of contract of both parties;