Generally speaking, the reasons why China Merchants Bank credit card cannot be installed in installments include:

1. The user's application for installment exceeds the specified time, which will cause the installment to fail.

2. If it is an overdraft withdrawal amount, they cannot be installed in installments.

3. If the installment amount of the bill exceeds the available amount, installment cannot be carried out in this case.

4. The user is judged or suspected by the system to have a cash-out problem.

5. The number of credit card installments has exceeded the prescribed number, and the bills that have been installments cannot be re-installed.

6. If the credit card has an overdue record, you cannot apply for installment.