Credit cards can't be divided into stages. Nine times out of ten, it's risk control, which is evaluated by the system. Manual intervention can't help you lift the risk control. But the advantage of calling is that the customer service will tell you why it can't be staged, and then teach you what to do to remove the risk control.

There are several reasons why credit cards cannot be paid in installments:

First, personal credit record is not good.

Although the credit card installment business threshold is relatively low, if the cardholder's consumption and repayment situation is not good, the bank will also refuse. For example, the consumption of your credit card, the bank is suspected of cashing out through data monitoring; If your repayment record is not good, it is overdue or overdue for many times. It's normal that credit cards can't be divided into stages.

Second, the use of cash installment funds is incorrect.

Generally, when applying for cash installment from a bank, you need to know the purpose of the cardholder's application. The bank clearly stipulates that the money applied for cash installment shall not be used for investment (including but not limited to equity investment such as house purchase, stock and futures), but only for consumption (including but not limited to decoration, household appliances, wedding, car purchase, student aid, tourism, medical care, etc.). ).

3. The cash installment amount exceeds the available amount.

There is another situation where you can't do cash installment, that is, your credit card limit has been overdrawn, or the available credit card limit is less than your cash installment limit, so you can't do it by installment. For example, your credit card limit is 6,543,800 yuan, and you have already overdrawn 8,000 yuan. Apply for 3,000 yuan cash installment, and you can only apply after paying off the debt and restoring the credit line.

Fourth, the installment amount of the bill is not enough.

After making a large amount of consumption, the cardholder knows that he can't repay in full on a single billing date, and can pay in installments through the billing installment service. Every bank statement has a requirement for installment amount. For example, the installment amount of CCB should be above 600 yuan, and the billing installment of China Merchants Bank should not be lower than that of 300 yuan. If your bill amount is lower than the minimum requirement of bank installment, you can't apply for installment.