Generally speaking, as long as the user repays the loan on time and uses the credit card according to the regulations, the credit card limit can be increased, and then there will be no problem of insufficient credit limit.
If the credit card bill is divided into installments, but the system prompts that "the installment amount of the receivable bill is insufficient", it generally means that the current credit card bill amount of the customer has not reached the initial amount of the bill installment, and the bill installment cannot be carried out.
It should be noted that credit card bills are generally set with a minimum amount, but different banks have different regulations. For example, China Construction Bank stipulates that the minimum amount of application for bill installment is 300 yuan. Therefore, if the total amount of the customer's CCB credit card bill is less than that of 300 yuan, then when applying for installment, it will naturally prompt that "the installment amount of the receivable bill is insufficient".
In addition to the minimum amount limit, there is generally a maximum amount limit for credit card bill installment. Usually, customers can't pay the full amount of credit card bills in installments. For example, China Construction Bank stipulates that the maximum installment amount cannot exceed 90% of the total RMB consumption in the bill (excluding cash withdrawal, installment payment and other transactions stipulated by the bank, etc.). ).
In fact, the flowers are divided into stages within the quota, which means you can only use the remaining amount.
Alipay will grant an initial general amount of 500-50000 according to your consumption big data, and then give different amounts according to your usage and repayment behavior.
The amount of flower staging is closely related to your repayment ability.
Upload more information, let Alipay know more about you, and better judge your repayment ability.
For example, upload identity information, driving license, real estate license, social security, provident fund and so on.
Pay back the credit card with Alipay, and let Alipay know your consumption behavior, spending power and repayment ability.
Your general quota will gradually increase in the future, and a temporary quota will be given every shopping festival.
At present, in addition to the general quota, there is also an exclusive quota for flower beds.
The upper limit of this quota is 200,000, which is much higher than the ordinary quota.
But it must be used in stages, that is to say, even if you are shopping for 100 yuan, you must use it in at least three stages.
In addition, flower beds also have industry-oriented quotas, such as the exclusive quota for loving home, which can only be used by businesses in the digital home appliance industry.
All in all, let Alipay know you better and keep good repayment behavior.