Why can’t I pay for installments when I use a credit card for the first time? 1. The installment amount is not met: Each bank has set installment amount limits for different installment types, one is the starting installment amount, and the other is the total installment amount. For example, when China Merchants Bank applies for RMB bill installments, the minimum amount applied for each time is not less than 300 yuan. Usually, the final amount that can be processed will be displayed on the installment application page. 2. Unsatisfactory transaction types: Credit card installments have requirements for transaction types, such as installment deductions/annual fees/liquidated damages and other credit card charges; transfers/handheld cash withdrawals/gold sales/gambles/real estate/pre-authorization and other transactions; Installments cannot be made for temporarily adjusted quotas, etc. Installments can only be made if all new consumption is incurred in the current period. 3. The card usage record is not good and is overdue: whether a credit card can be repaid in installments, the bank must also refer to the cardholder's card usage behavior. For example, if the card is not used in a standardized manner, the bank's risk control occurs when using the credit card to cash out, or there are overdue balances. Arrears will not be allowed to be paid in installments. In addition, credit card installments must be processed within a specified time, and the number of installments is limited. For example, when applying for bill installment, a bill is issued only once a month, so it can only be handled once, and the processing time is from the bill date to the end of the final repayment date. The details are subject to the installment regulations of the card issuing bank. The above is the relevant introduction to "Why can't I pay for installments when I use a credit card for the first time?" I hope it will be helpful to everyone. If you cannot apply for a credit card installment and cannot repay in full, you can try the minimum payment, or you can borrow money from relatives and friends to repay the loan, and try to avoid overdue payments.