The user does not meet the bill installment conditions. Whether the user's bill amount can be phased or not is determined by the system audit. Insufficient comprehensive score, such as the recent overdue repayment record of credit cards, will cause Shanghai Pudong Development Bank to stop the credit card installment function, and users can only repay in full. Shanghai Pudong Development Bank Co., Ltd. was established with the approval of the People's Bank of China on August 28th, and opened on 1993 and1October 9th.