Explain that there are reasons why the bank can't rest assured that you are divided into stages.

the first thing is that the cardholder has an overdue record. If the cardholder is overdue, then the bank will determine that the credit line given to you is very dangerous and must ask the cardholder to pay off the debt as soon as possible.

You can judge whether the cardholder is still able to repay, so don't be overdue, otherwise you will most likely be refused installment.