1. The number of credit card installments exceeds: Many people may not know that there is a limit to the number of credit card bill installments. Different banks have different limits on the number of credit card bill installments. Some banks can only Apply for one installment, such as China Construction Bank, and some banks can only apply for one bill installment within three months, such as Ping An Bank.

2. The credit card has an overdue record: Banks attach great importance to the credit card holders. If your credit card has an overdue record, your application for bill installment is likely to be rejected.

3. The amount applied for bill installment is greater than the available limit: If your credit card’s available limit is only 5,000 yuan, and the amount you apply for bill installment is 6,000 yuan, the amount applied for bill installment is greater than the available credit limit. , in this case, the application for bill installment will generally be rejected.

4. Suspected of cashing out: often maxing out credit cards at one time, often swiping cards at fixed POS machines, often swiping cards during abnormal business hours, etc. These are all bad card swiping habits, and it is easy for the bank to suspect cashing out. Once the bank feels that the cardholder is suspected of cashing out, the application for bill installment will be easily rejected.

5. The period for applying for bill installment has exceeded: The current month’s bill can only be applied for bill installment in that month. Cardholders can apply for bill installment business from the day after the current bill date to the last repayment date. During this period, the current month's bill cannot be installmentd.

6. The cash withdrawal amount and temporary limit cannot be paid in installments: If the amount of your credit card bill is mainly the cash withdrawal amount or the temporary limit is used, then the application for bill installment will be rejected. Because the cash withdrawal amount and temporary limit cannot be used for bill installment.

This answer is provided by Youqianhua. Youqianhua is a credit service brand under Duxiaoman Finance (formerly Baidu Finance). It provides personal consumer credit services to the public and creates an innovative consumer credit model. Youqianhua uses artificial intelligence and big data risk control technology to provide users with convenient, fast and secure Internet credit services. Click below on the mobile phone to measure the amount immediately. The maximum loan amount you can borrow is 200,000