how can I apply for 6 installments if my credit card is not overdue?
if there is no overdue, don't even think about dividing it into 6 installments. At present, the longest number of credit card installments is only 36, and it depends on the bank and consumption type. After all, 6 installments are equivalent to five years for banks, which is a very long time. Many bank credit cards are not that long. In addition, the longer the time, the more unstable factors, and the sooner the bank will recover the arrears, the better.
and the credit card is not overdue, and the bank is not sure whether the cardholder can repay the loan or not, and it will not agree to installment so many times. If it is overdue, it will be different. After all, overdue will result in penalty interest and liquidated damages. The longer it takes, the interest will roll to an incredible level, far exceeding the cardholder's repayment ability, and the bank may agree to divide it into 6 installments.
There are some things to note:
Credit card application is divided into 6 installments, in fact, it is to negotiate repayment with the bank and sign a personalized installment agreement, which is much more difficult than everyone's own installment, and the conditions are more stringent.
cardholders must provide relevant information to prove that they are unable to repay due to special circumstances, such as unemployment and illness. The key is to let the bank know that they are able to repay, but they can't pay it off at one time for the time being. It is best to make a repayment plan, and the bank can only agree if it feels sincere and doesn't want bad debts.
The above is the introduction of "How to apply for 6 installments of credit card when it is not overdue". I hope it will help you. Finally, I want to remind you that the credit card must not be overdue after installment, otherwise it will not be given a second chance. At that time, regardless of the cardholder's ability, he must pay off the arrears in one lump sum.