Why can’t my credit card installment be approved?
You can query the following installment types to determine the reasons for the failure of various credit card installments:
1. Online shopping installment:
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The following common reasons for failure of credit card online shopping installments are:
a. The credit card has not activated the online payment function.
b. If the purchased product exceeds the payment limit for online transactions, you can select "Card Limit" to view or set it.
c. The quota is insufficient, and the installment quota must be greater than the total price of the product. You can repay in advance or try to apply for a balance increase.
d. If you don’t remember the query password, you can reset it.
Warm reminder: Whether the installment is successful or not is subject to the credit card center’s review.
2. Bill installment:
Transactions that cannot be billed in installments include:
a. The previous bill was not paid off in time, and it accumulated to the current bill;
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b. Annual fees, interest, liquidated damages and other credit card charges;
c. Cash advances (including handheld cash withdrawals), installments, real estate transactions, pre-authorization, etc.
Warm reminder: If you still cannot make installments after excluding the above circumstances, we recommend that you contact the credit card center.
3. Store installment:
Credit card store installment failure generally has the following reasons:
a. The goods you purchased exceed the available limit of your credit card. It is recommended that you Check the available credit limit and whether there is a "card limit" set;
b. If the installment limit is insufficient and the available installment limit is greater than the total price of the product, you can repay the loan in advance or try to apply for a limit increase;
c. If you don’t remember the query password and transaction password, you can reset them.
Warm reminder: The specific reason for the failure is subject to review by the credit card center.
4. Cash installment:
If the cash installment fails, it is recommended that you maintain good card usage and repayment habits for more than 6 months before applying for cash installment. The actual review result will be based on your The overall rating at that time shall prevail.