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Why can’t I pay for installments with my CCB credit card? How to divide it into installments?

In fact, there is no direct relationship between the inability to pay for credit card installments and the blocking of the card. There are many cardholders who cannot pay for installments but can still use their cards normally. Of course, there are also some who cannot pay for installments and have their cards blocked. Both situations are the same. It might happen. The key still depends on the reason behind the instalment.

The main reason why the credit card cannot be installmentd is because of insufficient comprehensive score, including not meeting the installment requirements, and being risk controlled by the bank.

1. The installment requirements are not met

This is easy to understand. Many banks have set the starting amount, total installment amount, and installment time for credit card installments. All three conditions can be met. Installments will be given only if you are satisfied.

Take China Merchants Bank as an example. The minimum amount applied for each bill installment is not less than 300 yuan. It can only be applied between the day after the current bill date and the due date of repayment. The maximum amount that can be applied is The actual evaluation results shall prevail.

2. Credit cards are subject to bank risk control

In fact, there is no standard use of cards, and credit cards are used for daily consumption, so that the card usage behavior is judged as abnormal transactions by the banking system, and the bank will not It will be divided into installments. If it's just that you can't make installments, it's okay. The worst result is that the bank will block the card and you can no longer use the card.

For example, if you often max out your credit card at once, always spend money at a POS machine, swipe your card outside normal business hours, etc., it is easy to be risk controlled, and you will also be imprisoned during risk control. The Black Room will no longer issue installments. If it is serious, the card will be blocked directly.

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