The main reasons why China Merchants Bank credit card cannot handle installment repayment are as follows:

1. The application amount cannot be less than 300 yuan to 500 million yuan.

2. The bank needs to evaluate the cardholder’s qualifications based on the cardholder’s credit record.

3. The billing day has not come out yet.

4. Have entered the dark room of China Merchants Bank.

When you are unable to apply for installment repayment of a China Merchants Bank credit card, it is because of the above reasons. You must standardize the use of the card, maintain good card usage habits, participate in as many China Merchants Bank activities as possible, and you can also purchase some appropriately. Merchants and Wealth Management, this way can help banks evaluate whether installments can be helpful.

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How to apply for installment with China Merchants Bank Credit Card:

1. Online banking application: The cardholder logs into China Merchants Bank Credit Card Online Banking and enters the bill installment on the installment financing page. Select the installment amount and number of installments and wait for bank approval.

2. Telephone application: Cardholders can apply by calling the CMB credit card customer service hotline.

3. SMS application: Cardholders can apply via SMS by filling in their mobile phone number when applying for a credit card.

4. Application for China Merchants Bank Credit Card App: Apply for bill installments in the Bills App of China Merchants Bank.

Credit card installment payment means that when the cardholder uses a credit card to make large purchases, the bank pays the merchant a one-time payment for the goods (or services) purchased by the cardholder, and then allows the cardholder to pay in installments The process of repaying money to the bank and paying handling fees.

The bank will deduct the consumption funds and handling fees in installments from the cardholder's credit card account based on the cardholder's application, and the cardholder will repay according to the monthly credit amount.

The main benefits of credit card installment payment:

Enjoy now, pay later.

No guarantor required and the procedure is simple.

Timed and fixed amount, easy payment.

Pay as you please with any monthly repayment amount

More space to choose payment methods.

Business type

From the perspective of the form of installment payment, when cardholders handle this business, the starting amount of a single transaction is limited, and the installment repayment grade and handling fee are limited. The standards are also different; they can be roughly divided into three categories:

The first category is carried out by banks in cooperation with special merchants, but the product types are limited;

The second category is that banks provide product catalogs , the cardholder purchases from the catalog, and the bank then entrusts the supplier to deliver the goods to the customer;

The third category is not limited to merchants and goods. After the cardholder purchases, he applies to the bank for repayment in installments. Just make a payment, and some banks even set the acceptance scope to be global.