Apply for the credit card installment limit of the Postal Savings Bank: apply for the installment of the postal savings credit card transaction, with a single transaction amount of at least 500 yuan, and a single transaction can only be fully transferred to installment; The condition for the initial amount of bill installment application is that the difference between the balance of bills issued in the previous period and the minimum repayment amount is greater than or equal to 800 yuan, and the maximum amount does not exceed the difference between the balance of bills issued in the previous period and the minimum repayment amount; The minimum amount of installment payment for a merchant is 500 yuan.

Moreover, the credit card installment of most banks occupies the credit card quota. After the installment payment transaction is confirmed, ICBC, Bank of Communications, China Construction Bank and CITIC will freeze the full amount of consumption in their accounts. Everbright, on the other hand, freezes the quota in full, that is, according to the repayment situation of each installment, releases the frozen quota in stages until the last installment or all installment balances are paid off in advance. GDB is between the two, and the quota is controlled by freezing and thawing according to the audit results.

1. The bank card is frozen for the following reasons:

1. A bank card is a credit card (debit card). If it is frozen, it may be that your credit card has an abnormal transaction, such as malicious cashing, forged information, wrong serial password, etc., and the bank card may be frozen by the bank.

2. For overdrawn bank cards, the bank will set the overdraft share according to your actual repayment ability. If the overdraft exceeds the share, the bank will immediately freeze your bank card.

3. The bank card is a debit card. If it is frozen, it is frozen in the wrong account, that is, the bank gave the extra money to the account by mistake, so the bank may freeze the extra money. The first is the judicial freeze. According to the relevant provisions of the law, the judicial organ may apply to the bank to freeze the bank card for handling cases. At the same time, customs, tax authorities and other departments also have the right to freeze.

4. The bank card is frozen due to a third party. At present, this situation exists. Generally speaking, personal bank cards are frozen, which may be the need to deal with legal cases, and some special circumstances need to freeze bank cards. If the general bank card is frozen for these reasons, then when the bank card is unfrozen will be analyzed in detail.

5. No matter what kind of bank card it is, if you enter the password three times in a row, the banking system will automatically lock the bank card password, which is similar to freezing, but not freezing. It will be released automatically after 24 hours. If the bank card fails to apply for a new card upon expiration, the bank will freeze the expired bank card after expiration. If the bank card reports the loss several times in a row, it will be frozen because the bank thinks it is suspected of malicious loss reporting.