If it is impossible to apply for installment due to insufficient quota, it is suggested that the following methods can be adopted:

(1) Apply for increasing the fixed quota;

(2) If the amount is insufficient, the installment transaction is completed by depositing the corresponding amount of money (that is, overpaying the installment); This requires manual application.

(3) Pay part of the money to the merchants in cash or other ways to reduce the installment amount;

(4) Call to apply for bill installment after one-time payment, but the bill installment requires corresponding handling fees. Whether the application is approved or not is subject to the comprehensive evaluation results of our bank.

How to increase the credit card limit?

1. Credit cards cannot be used as savings cards.

I believe everyone will know the difference between credit card and savings card. Credit card is a credit consumption, and it is not a good behavior to deposit and withdraw money at will. Want to increase your quota, or use it separately. It is not cost-effective to charge a certain handling fee for credit card withdrawal.

2. Always swipe your credit card

There is an annual fee for credit cards, and some types of cards can be exempted from the annual fee if they spend a certain amount. Some of them have a certain amount of money and are free of annual fees. Frequent swiping can not only save the annual fee, but also increase the credit card limit. If you use it frequently, you will become an active user of the issuing bank invisibly, and you will be rewarded when you withdraw the amount.

If there is continuous and stable consumption, there is a transaction every month, and the issuing bank will even take the initiative to give a sum of money. Even the application for permanent withdrawal may be approved.

3. Irregular high consumption

Frequent use of credit cards represents a stable activity, rather than irregular large-scale consumption. If you can repay on time, you will be recognized as a quality customer by the issuing bank. It will also be very simple for the card owner to apply for cash withdrawal. Of course, this kind of large consumption is not bursting.

There is still a big difference between frequent credit card swiping and frequent credit card swiping. Under normal circumstances, when handling credit cards, the amount will not be very high. If you often empty the quota, even if you can repay it on schedule in the future, it is also a big taboo for raising the quota.

Why can't ICBC credit cards be phased?

Many customers who hold ICBC credit cards find that they can't pay them back in installments. The reasons can be found in the following points:

1. ICBC's temporary credit line cannot be used in installments, and the total installment amount cannot be divided if it exceeds overdraft consumption;

2. The credit card account status is abnormal. If it is frozen or blocked, it cannot be phased;

3. The starting amount of credit card installment is 600 yuan, which is lower than 600 yuan and cannot be installment;

4. The credit card is controlled by the wind, which will lead to the failure of installment.

For more information about why ICBC credit cards cannot be phased, please visit: See More.

Why can't credit cards be repaid in installments?

The reason for this is the following：

1. There is a minimum amount limit for the installment amount of a credit card (for example, 5000). If the installment amount (for example, 4000) is less than this amount (5000), the installment cannot be made.

2. Annual fee, revolving interest, installment principal, liquidated damages, overdue amount, transfer transaction, gold transaction, etc. It can't be an installment plan. When it is found that the credit card cannot be divided into installments, check whether these amounts are included.

3. The consumption limit cannot be greater than the credit limit, otherwise the installment cannot be handled.

4. consult the business. Some merchants don't support installment, just like some Taobao merchants don't support flower garden payment.

1. Why use a credit card?

1. Just in case, just in case of emergency.

The money in the debit card is what you want to deposit. Credit cards can come in handy once you are caught off guard, such as getting sick, taking medicine or even having surgery.

You don't need to owe anyone. You can use a credit card for emergency first and use the interest-free period to repay the loan. What if you get paid, or your financial management increases? There can be one more choice at the critical moment.

2. Accumulate bank deposits

People are floating in rivers and lakes, how can they not borrow money? The lowest cost of borrowing money is the bank, which will grant a certain credit line according to the cardholder's repayment ability and willingness. The importance of personal credit is very important.

A good credit card usage record can better prove personal credit. The better the credit, the higher the success rate of card loans.

In addition, bad records such as overdue and arrears should be avoided during the use of credit cards, otherwise it will affect later life and business.

Meet daily consumption

Spend tomorrow's money and realize today's dream. Seeing a bag that hasn't been discounted for a long time, I suddenly engaged in activities, but I don't have much money in my hand, and I won't send it until next month. At this time, all you need is a credit card!

4. Points redemption and various discounts

In the era of Internet payment, don't say that you are still eating and watching movies according to the price tag of merchants! Credit card points can be exchanged for small gifts online, air tickets can be exchanged for air miles, and points can be exchanged for star hotels, Starbucks, movie tickets and so on. When using cash, you can also exchange cash on the platform! In addition, the credit card rights of banks are endless, such as vouchers for catering merchants, movie tickets in 9 yuan, free pick-up and drop-off machines, VIP rooms and so on. And debit cards are not discounted at all!

5. It's easy to audit accounts and know your own consumption.

Usually, bookkeeping is a tedious job. The monthly bill of credit card is basically equal to the consumption record. You can also bind payment apps such as Alipay to clearly understand your own expenses and facilitate financial planning.

This is the end of the introduction about why credit cards can't be phased and why credit cards can't be fully phased. I wonder if you have found the information you need?