Credit installment can alleviate the repayment pressure of cardholders. Therefore, many cardholders will choose to apply for installment after making large purchases. However, sometimes the bank does not agree with the cardholder’s installment application and prompts that it does not meet the requirements. Installment conditions, what's going on? Let’s find out the reason with the editor!

1. The cardholder has overdue repayment

Credit cards attach great importance to the credit status of the cardholder. If the cardholder has any bad behavior such as overdue payment when using the credit card, the bank will It will feel that the cardholder's repayment ability is somewhat insufficient, and thus reject the user's installment request to avoid risks. Therefore, if cardholders want to successfully apply for credit card installment, they must maintain a good personal credit record.

2. Too many installments

As we all know, banks have time limits for applying for installments. For example, China Construction Bank stipulates that you can only apply for one installment per statement day, while Ping An Bank stipulates that Once every three months. Therefore, if cardholders frequently submit credit card installment applications, they may be rejected.

3. Installment amount

Banks also have regulations on the amount of installment applications. It is not in compliance with the regulations if it is too large or too small. Because the amount is too small, the bank cannot profit from it, and there is no need for installment; and the amount is too large, exceeding the available limit of the credit card, and it is not feasible. Therefore, if cardholders want to successfully apply for credit card installment, they must pay attention to whether the installment amount they apply for meets the standards.