1. What's wrong with the credit card not being paid by installments?

1. There are bad records such as overdue, and the cardholder's initiative to apply for installment payment is different from that invited by the bank. Banks usually comprehensively evaluate the credit status of cardholders, the use of cards, credit records and other ways, and then decide whether to provide installment payment services. Under normal circumstances, people who want to deal with installment payment may not have enough repayment ability. There are even overdue records, and banks may refuse to pay by installment for the sake of capital security.

2. The installment amount is inconsistent. Banks also have regulations on the amount of installment payment for applying for bills of exchange. Usually, the minimum amount and the maximum amount of installment payment are set. If the installment amount applied by the user does not meet the requirements, the installment payment will fail.

2. How to apply for credit card installment

1. Log in to the personal online banking account of the issuing bank, select the credit card number to apply for transaction installment, inquire about unpaid bills, and select the detailed records of transaction installment that can be applied for. After the application is successful, the page will display detailed information such as the number of installments, installment fees, and repayment of each installment.

2. download the mobile client of the issuing bank, log in to the mobile bank of Postal Bank, select the credit card to apply for transaction installment, select the credit card number to apply for transaction installment, then select the installment amount and number, and submit the application.

3. Call the credit card service hotline of the issuing bank, and then switch to manual service. When applying for payment, the service personnel must be informed of the transaction details of the transfer to installment payment application, including the transaction time, trading places, transaction amount, application period, etc.

3. What if the credit card cannot be repaid in installments?

Only the minimum repayment amount or full repayment amount can be made. If all debts cannot be repaid temporarily within the specified repayment period, the cardholder can choose to repay the minimum repayment amount first. Because as long as the cardholder guarantees to pay the minimum repayment amount of the current credit card bill before the repayment date, it will not be overdue.

Some credit cards also have a grace period for repayment. If the minimum repayment amount cannot be paid before the repayment date, it is not considered overdue to pay the minimum repayment amount within the grace period after the repayment date. So if you can't do it by stages, you'd better find a way to negotiate immediately, and don't think about negotiating with the bank after the deadline.

Having said that, we all know what it is that credit cards can't be paid in installments. I still suggest that you plan your credit card consumption. If you need to pay off by installments, you should communicate with the bank in time, and don't wait until the repayment date.

in special circumstances, you can click the consultation button on the right. The website provides professional lawyers to answer questions, help you solve the repayment problem and let you return to your normal life.