In some banks, installment payment requires the cardholder's card holding time and limit. If the cardholder holds the card for a short time and the amount is low, the comprehensive score is not high. The solution is to increase the number of times the cardholder uses it, and then apply to the bank for an increase in the amount, and then you can apply for installment payment.

If the minimum repayment amount has been paid before, the comprehensive score will not be too high. If you need to repay in full on a regular basis, keep a good record for a long time and improve your comprehensive score, you can apply for installment payment.

Is there a problem of credit card rejection and insufficient comprehensive score?

If the application for a credit card is rejected by the bank, the bank prompts that the comprehensive score is insufficient, which may be because there are problems in the credit investigation, such as bad credit records in the credit investigation, or too many recent loan records and inquiry records in the credit investigation, resulting in too many credit investigations. However, if banks have problems in approving customer credit information, the comprehensive evaluation results will naturally be difficult to meet the standards, and it is very likely that credit card applications will be rejected.

Of course, banks will evaluate customers from many aspects, so the lack of comprehensive scores leads to the rejection of credit cards, not necessarily because of credit problems, but because customers fail to meet the standards in other aspects, such as high debt and insufficient repayment ability; Or the level of assets and financial resources does not meet the card-holding standards.

Therefore, if customers want to successfully operate credit cards, they should not only pay attention to maintaining good personal credit, but also have a stable source of economic income, certain assets and financial resources, and don't be too indebted to reach the age standard.