If it is a China Merchants Bank credit card, this means that the conditions for installment are not currently met.

Possible reasons are:

1. Only new consumption in the current period can apply for bill installment; 2. The cardholder must have good records and the current repayment is not overdue; 3. The consumption The type must comply with the installment regulations. For example, cash advance transactions, expenses, and real estate transactions cannot be installments; 4. The minimum installment amount is RMB 300.