The main reasons why China Merchants Credit Card cannot be paid off in installments are as follows:

1. Previous bills were not paid off in time, and accumulated into the current bill;

2. Annual fee, Interest, liquidated damages and other credit card charges cannot be paid in installments;

3. Cash advances (including mobile cash withdrawals), installments, real estate transactions, pre-authorization, etc. cannot be paid in installments.

If you are still unable to make installments even after excluding the above circumstances, it may be that the bank has canceled your installment qualification due to bad credit, etc.

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The types of credit card installments offered by China Merchants Bank are as follows: car installments, bill installments, cash installments, E-loan installments, store shopping installments and online shopping installments.

Common credit card installment services are: bill installment and cash installment.

China Merchants Bank cash installment is a business that our bank provides credit card holders with cash withdrawals and repayment in installments. After successful application, the funds will be transferred from the credit card to the debit card in the cardholder's name. Real-time review and quick loan disbursement.

Cash installment can be processed manually through online banking, mobile banking, mobile life or credit card.

1. After logging into the public version or professional version, select "Instalment Financial Management → Cash Installment → Installment Application";

2. After logging into mobile banking, select "My → All →Credit card→Cash credit→I want cash→Cash installment application";

3. After logging into Mobile Life, select "Selected→Borrow money→Cash installment" to apply;

4 . Call China Merchants Bank's credit card customer service hotline. Cardholders can select "9" to transfer to manual service after entering personal information for verification. Customers who do not hold a card: Select 3#→1→3 to enter manual.

Warm reminder: If you hold a diamond card or platinum card, please call the VIP hotline; if you hold a business card, please call the business card service hotline.

For CMB credit cards, bill installment refers to the function of installment repayment for transactions in RMB or USD accounts, including installments for unbilled transactions and billed transactions. Customers who hold the main personal card of China Merchants Bank and have good card usage records can try to apply for bill installment business. Customers who only hold commercial cards, business cards, purchasing cards, ANA guaranteed cards or supplementary cards cannot apply for bill installments at the moment. The final result of installment application shall be subject to the comprehensive evaluation of the Credit Card Center. You can try to apply for bill installment through the following channels:

1. After logging in to Mobile Life, click "Card. Finance → Consumption Installment → Transaction Installment" to apply. When applying, the system defaults to the maximum installment amount that can be applied for. The amount can be modified by unchecking it. After selecting the number of installments, click "Preview Order" and submit the application;

2. The principal cardholder needs to reserve the mobile phone number at the China Merchants Bank Credit Card Center to send a text message. < /p>

4. After logging into mobile banking, click "My → All → Credit Card → Installment Financial Management";

5. Call the credit card customer service hotline, press * and directly say what you need to handle Apply for business.