1. Cardholder qualification:

Although credit card installment can make banks earn fees, banks have a bottom line and only provide installment services to qualified cardholders.

however, if the cardholder uses the card illegally, often fails to pay it back within the time limit, and the debt is too high, the score of the current qualification platform will not reach the score set by the system for credit card installment, and the installment will definitely fail.

2. Credit card:

1) Time of card use: credit card installment is based on the comprehensive evaluation of the cardholder's card use and credit status, and it is usually necessary to issue three bills before installment;

2) installment amount: whether the bill has been issued or not, the minimum installment amount must be reached. The minimum threshold for installment in most banks is 3~5 yuan. And there is a maximum limit on the installment amount, that is, it cannot exceed 8%~95% of the current bill. The specific limit depends on the regulations of each bank.

3) installment time: many banks stipulate that you can only apply for installment once a month, but banks have different requirements for installment time. Most banks calculate the installment times by month, but some banks get up with the day. For example, if your credit card is installment on December 9th, you must do it again after the 9th of next month.

4) transaction type: cash advance transaction, installment payment transaction and various expenses (such as annual fee, interest, late payment fee and other credit card charges, etc.) cannot be staged.