The insufficient number of installments available for application is because the number of installments has been exceeded. In fact, each bank has a limit on the number of bill installments. Some banks limit the number of applications based on the billing date; some banks limit the number of applications by not being able to apply again within a certain time interval between two consecutive times.

1. Why did the credit card installment application fail?

1. Insufficient comprehensive score: After the cardholder submits the installment application, the bank will assess it. If the cardholder has not been using the card for a short time and the frequency of card use is not frequent, it will not be able to give an assessment. If the bank provides sufficient reference materials and cannot gain the trust of the bank, the bank will generally not approve the cardholder's installment application.

2. Exceeding the number and time of installments: Credit card bill installments are not something you can handle just because you want to. It has a limit on the number of times, and different banks have different limits on the number of credit card bills. Some banks stipulate that you can only apply for one installment within one billing day or one installment within three months. Therefore, before handling bill installment business, borrowers are advised to consult the bank's customer service.

3. Cash withdrawal amount and temporary quota cannot be applied for installment: Cash withdrawal amount and temporary quota cannot be applied for installment. These quotas must be paid back in one go after expiration, otherwise it will be regarded as overdue, and the consequences will be It's still quite serious.

2. The credit card has been paid in installments, can it be paid off in one go?

If the credit card has been paid in installments, it can be paid off in one go. You need to call customer service to apply, and then all the money will be included in the next bill. You can pay it off on the same day, but there will be interest every day, and no matter how many installments are left, the installment fee must be paid, and the subsequent installments will not be canceled due to early repayment. Installment fees; early repayment of installments requires certain liquidated damages. The installment payment is settled once, and the handling fees and service fees incurred previously will not be refunded; after the one-time settlement, the amount will be restored immediately; Article 114 of the "Contract Law" The parties may agree that when one party breaches the contract, it shall pay the other party based on the circumstances of the breach. Pay a certain amount of liquidated damages, and you can also agree on a calculation method for the amount of compensation for losses due to breach of contract.

It is recommended that you consult the bank’s customer service when applying for installment and understand the rules before submitting the application to avoid poor credit reporting.