There is only one solution, which is to standardize the use of cards and increase real consumption. In daily life, in addition to swiping your card, you can occasionally go to high-end places to spend money, preferably special merchants of banks, which not only has points, but also makes it easy for banks to recognize their spending power. Even if there is a lot of consumption in the future, it will not necessarily be controlled by the wind.

Whether a credit card can be repaid in installments is something that has been agreed in advance when handling a credit card or borrowing money. In the absence of agreement, the bank has the right not to allow installment payment. At this time, we can only find a solution through consultation with the bank. First of all, prepare your materials, proof of your debt and income, and give them to the bank, usually a credit report and income certificate issued by a company or unit. Prove that you have a stable repayment ability. Secondly, what kind of repayment plan do you give the bank? For example, if you want to divide it into 12, 24, 30, 48, 60, the longest is 60, and how much is each issue? Specific to the detailed figures. This plan must be reasonable, acceptable to you and acceptable to the bank. If you owe 40,000 yuan, it is more reasonable to repay 2,000 yuan in 20 interest-free installments.

The following situations will lead to insufficient comprehensive score of credit card installment, which will make it impossible to installment normally:

1, some banks have certain requirements on the time and amount of card installment;

When the cardholder has not applied for a credit card for a long time and the card amount is relatively low, applying for installment repayment will prompt that the comprehensive score is insufficient;

Cardholders can use credit cards to spend more, and the bank will decide whether to let you handle the installment according to the cardholder's card use.

2. Bad use of credit cards, such as overdue credit cards, cashing out, etc., will also affect the comprehensive score, so banks will not agree to such cardholders to handle credit card installment;

Cardholders can use their credit cards reasonably and keep good habits, so it will be easier to apply for installment.

3. Frequent minimum loan repayment is also one of the reasons leading to insufficient comprehensive score;

Banks will think that cardholders' repayment ability is insufficient, and banks need to bear greater financial risks. In this case, it is more difficult to handle the installment payment.