If the user fails to handle the bill installment, it may be because the cardholder does not meet the comprehensive evaluation requirements of Guangfa Bank. As long as the cardholder insists on paying off the debt in time and enriching the consumption form of the card, he can apply for bill installment again after a period of time.

There are many factors that affect the credit card installment application, including the cardholder's daily consumption records and repayment records, as well as the market environment and specific bank management policies.