Not all banks can handle installment repayment, so this requires everyone to ask clearly whether installment can be applied before applying for a credit card.

The main items that banks generally prohibit installments are:

1. Annual fees, principal of previous installments, revolving credit interest, and liquidated damages;

2. Transactions such as transfer transactions, gold sales, and hotel pre-authorization transactions;

3. U.S. dollar account transactions and funds that have been applied for foreign exchange purchases; banks with the above items will refuse to handle installments.

There are also relevant regulations of some banks:

1. The installment amount must meet the standard, and the owner’s installment amount must be 500 yuan or more;

2. The installment amount is limited. The maximum amount of the bill installment applied by the poster shall not exceed 90% of the current bill amount, and shall not exceed 80% of the permanent credit limit;

3. The minimum repayment amount of the poster's bill after installment is still the principal. The minimum repayment amount of the current bill.

If the above requirements are not met, the bank will refuse to apply for credit card installment. If none of the above are involved and your credit card cannot be used for installment, it is recommended to go to the bank for consultation.

In fact, it is very simple. It is possible that our past payment cards are not in place and are subject to risk control, which limits our installments. In fact, credit cards cannot be used in installments, which is quite serious. Because it may be derated at any time, so what should you do if this happens?

1. Increase real consumption; if this happens, it is best to go to some high-end places to do some consumption, and it is best to go to the bank's special merchants. In this way, your card consumption becomes more normal.

2. Installment is mandatory for purchases in the credit card APP mall; that is to say, we can choose what we need in the credit card's own mall, and it shows that it can be installmentd. We can buy directly with a credit card, so we can buy in installments. In this way, our credit card also has an installment for a single consumption.

3. Do some appropriate operations such as recharging phone bills; similarly in the credit card APP, we can do some recharging of phone bills. Doesn’t it mean that we must recharge how much? Just do some operations like this, and it will cost you a hundred dollars.

4. Try not to repay, and let the available limit return to more than 50 of the total limit; for example, if the limit is 20,000, no matter how much the bill is, when we repay the loan, we should not let his available limit return to 10,000. , because sometimes, if we pay a little more, he may immediately lower the amount for us. So we can repay part of it first, transfer it out after a while, and then repay part of it. Pay off your debt gradually. Of course, this does not mean that we are told to go in and out quickly.

The above operations can effectively buffer the card and must persist for a period of time. This does not mean that we can do this for only a day or two. Secondly, it does not mean that you will be safe and unscrupulous after doing these operations. Everything we do is to be safer and reduce risks. Therefore, strict risk control must be carried out at all times when using the card to ensure greater security.