1, credit card exceeds the number of periods: many people may not know that credit card bills have a limit on the number of periods. Different banks have different restrictions on the number of installments of credit card bills. Some banks can only handle one issue in one billing day, such as China Construction Bank, and some banks can only handle one issue every three months, such as Ping An Bank.
2. Credit cards have overdue records: banks attach great importance to the credit of cardholders. If your credit card has an overdue record, the application for bill installment is likely to be rejected.
3. The amount of application for bill installment is greater than the available amount: if your credit card has only 5,000 yuan left and the amount of application for bill installment is 6,000 yuan, then the amount of application for bill installment is greater than the available amount of credit card. In this case, the application for bill installment will generally be rejected.
4. There is suspicion of cashing out: credit cards are often maxed out at one time, often spent on fixed POS machines, and often swiped during abnormal business hours. These are all bad credit card habits, which are easily suspected by banks to cash out. Once the bank feels that the cardholder is suspected of cashing out, it is easy to refuse to handle the bill installment.
5. Outside the time when you can apply for bill installment: You can only apply for bill installment in the current month, and the cardholder can apply for bill installment business from the day after the current billing date to the last repayment date. After this time period, the bill of the current month cannot be divided into installments.
6. Cash withdrawal amount and temporary limit cannot be divided into installments: if your credit card bill amount is mainly cash withdrawal amount or temporary limit, then the bill installment application will be rejected. Because the withdrawal amount and temporary limit cannot be used for bill installment.
The repayment amount of each installment of China Merchants Bank's credit card is subject to the bill, which can be inquired in the following ways:
1, Pocket Life Inquiry: Use the official client of China Merchants Bank credit card "Pocket Life" to enjoy a complete repayment experience.
2. Official WeChat inquiry: Use "China Merchants Bank Credit Card Official WeChat" to check the bill anytime, anywhere for 3 seconds.
3. Online banking inquiry: log in to credit card online banking.