1. Why can't credit cards be phased?

1. The first reason why credit cards can't be phased is that they don't meet the requirements of staging.

first of all, there is a time limit when applying for bill installment, and you can only apply after the bill comes out to the day before repayment. Some banks also apply on the day of the billing date, depending on the bank's regulations. Generally, the amount can only be 9% of the current amount in installments.

when applying for installment, the bank will check the credit of the credit card holder. If the installment is too frequent or the debt is not paid off, it may be rejected.

2. The second reason why credit card installment was rejected was that it was subject to bank risk control.

In fact, the bank will conduct risk control on the card use behavior of credit card holders. If it violates the rules, then the bank will have restrictions, such as refusing by stages.

once we know the reason why we can't use credit cards by installments, we should keep good habits of using credit cards, so that the bank can have a good credit evaluation on us, and then we can apply for installments with the bank.

second, how to apply for credit card installment

first of all, we should make a plan before applying for installment, and we should know how much our bills are and how much handling fees we can accept.

then we can call the bank's hotline, switch to the manual service according to the voice prompts on the phone, and then tell the customer service that we want to apply for credit card installment.

then the customer service will ask for our personal information, and then check whether we are qualified for staging, and if so, it will help us to handle it successfully.

At present, many banks support the application of credit card installment in mobile banking. We just need to download the official APP, then register and log in, and you can see the installment application button on our billing page.

Third, should credit card installment be handled?

From the credit card itself and the cardholder's economic point of view, the benefits of installment will still be greater, so it can still be handled. First of all, staging can reduce our cash loss, and we can use the money we have brushed out for other investments, which will have more stable income. Secondly, credit card installment can ease our repayment pressure and is not easy to overdue.

However, staging also has disadvantages. For example, its handling fee cannot be exempted, and it cannot be included in credit card points. Moreover, the longer the number of installments, the higher the handling fee, and all these expenses need to be borne by the cardholder himself.

So whether we should handle the installment or not should be based on personal needs. If we really can't repay the loan in full, then we can choose installment, but if I care about the installment fee and have sufficient funds, I don't have to choose installment.

That's the end of what I want to share with you today about why credit cards can't be divided into installments. I hope you can know why your credit cards can't be divided into installments and solve your credit problems with the right medicine in the future.

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