What should I do if my credit card cannot be applied for installment?

It is reported that the main reason why the credit card cannot be installment is due to insufficient comprehensive score. To solve the problem, you have to find the reason and then prescribe the right remedy. Generally, we start from two aspects. , one is in terms of applicant qualifications, and the other is in terms of credit card usage.

1. Applicant’s qualifications

If the applicant has problems with his or her credit, high debts, financial constraints, etc., these problems can basically be exposed by checking the credit, and then take corresponding measures. solution. For example, if you have problems with your credit score, pay off overdue debts and gradually improve your credit score through subsequent use of cards; if you have high debts, find ways to raise money to pay off your debts and reduce your debts; if you are short of funds, you must reduce your loans and credit card applications recently.

2. Credit card usage

It is precisely because there is no standard use of the card that the risk is controlled. If the credit card is overdue, or has frequent installments, minimum repayments, etc., the greatest possibility is There are illegal card usage behaviors, such as frequently making large transactions on the same POS machine of the same model, using up all the repayments within a few days of entering, and maxing out the card every month, etc.

There is only one solution, which is to standardize the use of cards and increase real consumption. In addition to swiping cards in daily life, you can also occasionally go to high-end places for consumption. It is best to be a special merchant of the bank. Not only do you get points, but it is also easy to use. Let the bank recognize your spending power, and even if you make large purchases in the future, you may not be subject to risk control.

The reasons why credit card installment cannot be applied for:

1. Poor personal credit record

Although the threshold for applying for credit card installment business is relatively low, if the cardholder If the consumption and repayment situation are not good, the bank will reject it. For example, if you have a credit card consumption situation, the bank may suspect that you are cashing out through data monitoring; if your repayment record is not good, you have been overdue multiple times or you have not paid overdue. It’s normal to be unable to apply for credit card installments.

2. The purpose of cash installment funds is incorrect

Generally, when applying for cash installment from a bank, you will need to know the purpose applied for by the cardholder. The bank has clearly stipulated that the funds applied for cash installments cannot be used for investment (including but not limited to house purchase, stocks, futures and other equity investments) and can only be used for consumption (including but not limited to decoration, home appliances, weddings, car purchases, Student assistance, tourism, medical care, etc.).

3. The cash installment amount exceeds the available limit

There is another situation where cash installment cannot be applied for, that is, your credit card limit has been overdrawn, or the credit card available limit is less than your cash installment limit. The amount cannot be paid in installments. For example, if your credit card limit is 10,000 yuan and you have overdrafted 8,000 yuan, if you apply for another 3,000 yuan cash installment, you can only apply after you have paid off the balance and restored your credit limit.

4. The bill installment amount is not enough

After the cardholder makes a large purchase and knows that he cannot repay the full amount on a single billing date, he can use the bill installment service , make installment payments. Each bank has requirements for the amount of bill installment. For example, the installment amount of China Construction Bank must be more than 600 yuan, and the bill installment amount of China Merchants Bank must not be less than 300 yuan each time. If the amount of your bill is lower than the bank's minimum requirement for installment, naturally you cannot apply for installment.

Why can’t I pay for installments with my CCB credit card? How to divide it into installments?

In fact, there is no direct relationship between the inability to pay for credit card installments and the blocking of the card. There are many cardholders who cannot pay for installments but can still use their cards normally. Of course, there are also some who cannot pay for installments and have their cards blocked. Both situations are the same. It might happen. The key still depends on the reason behind the instalment.

The main reason why the credit card cannot be installmentd is because of insufficient comprehensive score, including failure to meet the installment requirements, and being risk controlled by the bank.

1. The installment requirements are not met

This is easy to understand. Many banks have set the starting amount, total installment amount, and installment time for credit card installments. All three conditions can be met. Installments will be given only if you are satisfied.

Take China Merchants Bank as an example. The minimum amount applied for each bill installment is not less than 300 yuan. It can only be applied between the day after the current bill date and the due date of repayment. The maximum amount that can be applied is The actual evaluation results shall prevail.

2. Credit cards are subject to bank risk control

In fact, there is no standard use of cards, and credit cards are used for daily consumption, so that the card usage behavior is judged as abnormal transactions by the banking system, and the bank will not It will be divided into installments.

If it's just that you can't make installments, it's okay. The worst result is that the bank will block the card and you can no longer use the card.

For example, if you often max out your credit card at once, always spend money at a POS machine, swipe your card outside normal business hours, etc., it is easy to be risk controlled, and you will also be imprisoned during risk control. The Black Room will no longer issue installments. If it is serious, the card will be blocked directly.

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Why can’t I apply for bill installment for my CCB credit card? It says that the card is not in normal status. What’s going on?

The status of the bank credit card is abnormal. It may be because the card is reported lost, frozen, etc.

1. Entering the wrong password more than 3 times will cause the card to be locked, which will cause the online banking card to display abnormally. It is recommended to bring your ID card to the bank counter to unlock it.

2. The online banking card has a loss report record, causing an abnormality. It is recommended to confirm clearly.

3. The card usage exceeds the limit, or the temporary limit has been applied for, but the temporary limit has expired. In this case, the excess part can be returned first. After the repayment is received, the remaining amount can be applied for. Installment

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