1, overdue record.
In the process of using the card at ordinary times, there have been bad behaviors such as overdue, which will judge that your repayment ability is insufficient, and the bank will definitely not give you an installment bill.
2. The number of stages is limited.
There is a limit on the number of times a bank applies for installment. For example, some banks can only apply for one installment in one billing day, and some banks apply for one installment every three months. If the number exceeds the limit, it will be rejected.
3. Specify the time
There is a time limit for applying for a credit card bill. Under normal circumstances, the application can only be made between the billing date and the repayment date. After this time, it won't work.
4. Installment amount
Banks also have regulations on the amount of application for bills in installments. If the amount is too small and the interest is too small, there is no need for installment. If the installment amount is too large and exceeds the available credit card amount, the installment application will also be rejected.
5. Special projects
If there is a withdrawal limit and a temporary limit in the credit card, installment is not supported, and it must be paid off in one lump sum when it expires.
6. Suspected of cashing out
If the credit card operation is incorrect, the bank is suspected of cashing out. In order to show punishment, your bill installment function may be turned off, and the application will be rejected if it is temporarily unavailable.