The main reason why a credit card cannot be installmentd is because the credit card's comprehensive score is not enough. If you want to solve it, you have to find the reason and then prescribe the right remedy. Generally, you can start from two aspects, one is the applicant's qualifications, and the other is the use of the credit card.

1. Applicant’s qualifications

If the applicant has problems with his or her credit, has high debts, is short of funds, etc., the credit check can basically expose these problems and then take corresponding measures. solution.

For example, if you have problems with your credit report, pay off overdue debts and then slowly improve your credit score through subsequent card use. Those with high debts can find ways to raise money to repay and reduce their debts. Those with tight funds can reduce loans, Credit card application.

2. In terms of credit card use

In fact, the risk control of the bank is due to the failure to regulate the use of cards. For example, the credit card is overdue, or there are frequent installments, minimum repayments, etc. The biggest The possibility is that illegal card usage occurs, such as frequent large-value transactions of the same type and at the same POS machine, and all the repayments are withdrawn within a few days of payment, or the card is maxed out every month, etc.

The only solution is to standardize card use and increase real consumption. In addition to swiping cards in daily life, you can also occasionally go to high-end places for consumption. It is best to be a special merchant of the bank. Not only do you get points, but it is also easy to use. Let the bank recognize your spending power, so that even if you make large purchases in the future, you may not be subject to risk control.