The overall score is insufficient and the number of stages or time exceeds the limit. Some cardholders who are new to using credit cards may not be able to apply for installment due to insufficient overall score. In the subsequent process of using the card, the bank will comprehensively consider your card amount, frequency, and repayment status before deciding whether to provide you with the installment function. Some users with poor credit card swiping habits will also encounter this situation, such as frequent empty cards, abnormal credit card swiping times, abnormal card swiping times, etc. If the bank suspects cash withdrawals, they may also lose the installment authority.

The number of stages or time exceeds the limit. The number of credit card installments is limited. Generally, you can apply for bill installment within one billing day, and you cannot make another installment after the installment. In addition, there is a time limit for applying for installment payment. If you exceed the time limit, you will not be able to apply. The current month's bill installment can only be applied for in the current month. Cardholders can apply for bill installment business from the day after the current bill date to the last repayment date. After this time period, the current month's bill will not be paid in installments.

1. The reason why credit card cannot be installment is that part of the credit card cannot be amortized upon maturity. Credit card installment payments are usually limited to the amount of credit card purchases. Unpaid portions such as the minimum repayment amount, cash withdrawal amount, and temporary consumption limit cannot be applied for installment. The main reason why credit cards cannot settle accounts or pay cash in installments is that the bank's risk control limits the installment payment function due to the cardholder's own risk. Second, the number and amount of installments exceed the bank's limit or do not comply with the bank's installment regulations.

2. Due to the high overall debt of the cardholder, the use of the credit card installment function is limited. The overall debt of cardholders is too high. If the debt ratio exceeds 70% for more than three consecutive months, it is easy to be identified as a high-risk customer by the issuer. Generally speaking, the higher the debt, the weaker the corresponding repayment ability, and the greater the probability of overdue debt. In order to avoid risks, banks usually implement risk control on high-risk customers, thereby limiting the use of some credit card functions or even reducing the credit card limit.

3. Because cardholders have too many installments, the use of the credit card installment function is restricted. Although banks encourage cardholders to pay in installments, the installment repayment amount of cardholders' credit cards is too large, and most of them The installment is outstanding. Instead, banks worry about the cardholder’s ability to repay. In particular, long-term installments or long-term minimum repayments over multiple billing cycles are a bad sign of the cardholder's financial status. Banks will never provide timely help to customers who are short of money. Banks will consider such customers too risky and may be overdue at any time. In order to avoid risks, banks usually strengthen risk control, from restricting cardholders' installment payment functions and withdrawal functions to reducing the amount.

4. The cardholder’s serious use of the card in violation of regulations has limited the use of the credit card installment function. Serious credit card violations generally refer to overdue credit card payments or obvious cash outs. Late payment beyond the credit card tolerance period is the most annoying behavior for banks. Occasionally one or two short-term overdue behaviors will not have any impact on the use of the credit card. If overdue behavior occurs frequently, the cardholder will become a person who lacks the spirit of contract in the eyes of the bank, and the risk level of the cardholder will increase. It is excusable for the bill installment application to be rejected. In addition, each bank is now Strictly control illegal cash out. Many cardholders are locked in dark rooms, or the use of credit card functions is restricted, or even reduced or closed. Much of this was due to cashing out. Therefore, the use of bank cards should be avoided as much as possible. Even if there is no penalty, the increase in the amount is quite detrimental.