First, if the cardholder's credit card is overdue in the current period, or the card is stopped by the issuing bank due to the risk of using the card, then it is impossible to apply for installment repayment. Bank of Communications does not allow any illegal transactions, bad credit card accounts, abnormal credit card accounts or credit card accounts that Bank of Communications considers unsuitable for installment business for any reason.

2. If the installment payment has been made, but the cardholder's credit card account is abnormal due to account cancellation, card withdrawal, account freezing and other reasons during the installment payment, or the Bank of Communications thinks that its credit status has deteriorated for any reason, resulting in that the account is no longer suitable for installment payment, the Bank of Communications does not need to give any notice, and all the remaining unpaid parts of the installment payment business are deemed to be all due, and the cardholder shall repay all the principal, handling fees and related expenses of the remaining installment payment in one lump sum.