1. Common reasons are: the transaction type applying for installment does not support installment, the current amount does not reach the minimum installment amount, the installment period is exceeded, and there are overdue records.
2. China Merchants Bank can generally apply for installment, but there are also some reasons why it cannot apply for installment. You can judge the reasons for the failure of various credit card installment by the following installment types:
1) online shopping staging: credit card online shopping staging usually has the following failure reasons:
A. the online payment function is not enabled on the credit card.
B. The purchased product exceeds the online transaction payment limit. You can select "Card Limit" to view or set it.
C. If the quota is insufficient, the installment quota shall be greater than the total product price. You can repay in advance, or you can try to apply for withdrawal.
D. If you don't remember the password, you can reset it.
Tips: The success of staging is subject to the review of the credit card center.
2) Installment payment: The transactions that cannot be paid by installment are:
A. The previous bill was not paid off in time and accumulated to the current bill;
B. Annual fee, interest, liquidated damages and other credit card fees;
C cash in advance (including pocket withdrawal), installment payment, real estate transaction, pre-authorization, etc.
Tips: If the above situation cannot be divided into stages, I suggest you contact the credit card center.
3) Shop staging: Credit card shops generally fail to stage for the following reasons:
A. The goods you bought exceeded the limit of available credit cards. I suggest you check the available credit card limit and whether there is a "card limit";
B. If the installment amount is insufficient and the installment amount is greater than the total product price, you can repay in advance or try to apply for withdrawal;
C. If you can't remember the inquiry password and transaction password, you can reset them.
Tips: The specific failure reason is still subject to the credit card center audit.
4) Cash installment: If the cash installment fails, it is recommended that you keep good credit card and repayment habits for more than 6 months before applying for cash installment. The actual audit results are based on your comprehensive scores at that time.
3. Finally, the cardholder can contact the customer service of China Merchants Bank by phone or go to the business outlets of China Merchants Bank to find out the specific reasons why the installment cannot be handled.
Why can't my China Merchants Credit Card be staged? It has been used for more than half a year.
The reasons why China Merchants Credit Card cannot be phased are:
1. The online payment function of China Merchants Credit Card cardholder is not enabled or the balance of online payment limit is insufficient;
2. The current available amount of China Merchants Credit Card holders is not enough to pay the total installment payment;
3. The credit card-related information entered by China Merchants Credit Card holders is incorrect.
China Merchants Bank provides installment payment service, which has capital cost, operating cost and risk cost, so it will charge a part of the handling fee. Please consult the partner for details.
Extended data
Online installment payment of China Merchants Bank provides online installment payment of 3 months, 6 months and 12 months.
If the one-time consumption with China Merchants Bank credit card exceeds the specified amount, you can apply for online payment installment service. For the specific installment amount and number, please check the information of cooperative merchants on this website or visit the website of cooperative merchants.
When the amount of goods purchased cannot be divided by installments, the system will automatically round off and split the amount. For example, I spent 3022 yuan and chose 6 installments. The monthly repayment for the first five installments is 503.67 yuan, and only 503.65 yuan is needed for the final installment/kloc-0. The total repayment amount remains unchanged at 3022 yuan.