1, and the credit conditions are not passed.
For example, after applying for a credit card, many cardholders apply for many credit services, including credit cards and loans, which makes them owe a lot of money. Banks will question the cardholder's real repayment ability and worry that the debt will be too high and overdue, so they may close the cash by stages.
If the cardholder's personal credit is damaged because the business is not repaid in time or there is no money to repay, even if the bank credit card for cash installment is no matter how good, it will indirectly affect the cash installment, and it is not surprising that the bank will stop it.
If you want to solve the problem, you can only improve your personal qualifications, pay off your debts, reduce your debt ratio, increase your income at the same time, or provide various financial certificates to let banks recognize their repayment ability. After irregular comprehensive evaluation, the banking system may reopen cash in stages.
2. Bad card use behavior.
One is that credit cards are not standardized and are not used for personal consumption according to bank regulations, but are illegally cashed out, which leads to the risk control of credit cards by banks; One is that the cash installment has not been repaid in time, or it has not been used according to the specified purpose, and it is impossible to provide proof of consumption.
The solution is to standardize the use of cards and not make mistakes again. After all, credit cards are not blocked and frozen, and there will be times when the wind blows over.
If you don't want to be forced after applying for a card:
When handling a card, you must carefully read every piece of information that needs to be filled in, because as long as the consumer accidentally checks the option of "automatic installment in full" when handling the card, or promises to open this business when answering the customer service marketing call, as long as the credit card consumption of each bill reaches the agreed amount, the bank will automatically handle the installment business.
If you want to cancel this "automatic installment" business in the future, then the handling fees that have been handled before will be settled in one lump sum, which is easy to open but difficult to sell. In terms of rate, automatic installment business is not a fuel-saving lamp, and it needs to bear a high rate. The more installments selected, the higher the installment rate.