Credit card has brought great convenience to our life and reduced the economic pressure. One of the biggest advantages of using a credit card is that you can overdraw your consumption and enjoy an interest-free period. If you can't repay at maturity, you can also choose the minimum repayment amount or installment repayment. But if the credit card can't be phased, it will make people anxious. The specific reasons will be answered.

First of all, there have been overdue.

The most important thing about a credit card is the word credit. If you have any bad behavior such as overdue when using a credit card, you will judge that your repayment ability is insufficient, and the bank will naturally not give you installments.

Second, the number of stages.

You don't know that the bank has a limit on the number of applications for installment. For example, CCB can only apply for one installment on a billing date, and Ping An Bank only applies for one installment every three months. Those who exceed the specified number of times will be rejected.

Third, set a time

There is a time limit for applying for a credit card by installment, usually between the billing date and the repayment date. Beyond this time limit, it will not be passed.

Four. Installment payment amount

Banks also have regulations on the amount of application for bill installment. The amount is too small to receive interest and there is no need for installment. If the installment amount is too large and exceeds the available credit card amount, it will be rejected.