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. You can also exchange cash on the platform when you use cash! 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.

What if the credit card can't be divided into installments? These are the main reasons you need to know.

Generally speaking, the threshold for handling credit card installment business in banks is relatively low, and the review is also relatively fast. People will think of installment business when they have cash demand or encounter economic difficulties, whether it is cash installment or bill installment. What if they can't do it?

Let's have a look. Why can't credit cards be phased? What is the reason?

1, personal credit record is not good.

Although the credit card installment business threshold is relatively low, if the cardholder's consumption and repayment situation is not good, the bank will also refuse. For example, the consumption of your credit card, the bank is suspected of cashing out through data monitoring; If your repayment record is not good, it is overdue or overdue for many times. It's normal that credit cards can't be divided into stages.

2. Improper use of cash installment funds

Generally, when applying for cash installment from a bank, you need to know the purpose of the cardholder's application. The bank clearly stipulates that the money applied for cash installment shall not be used for investment (including but not limited to equity investment such as house purchase, stock and futures), but only for consumption (including but not limited to decoration, household appliances, wedding, car purchase, student aid, tourism, medical care, etc.). ).

3. The cash installment amount exceeds the available amount.

There is another situation where you can't do cash installment, that is, your credit card limit has been overdrawn, or the available credit card limit is less than your cash installment limit, so you can't do it by installment. For example, your credit card limit is 6,543,800 yuan, and you have already overdrawn 8,000 yuan. Apply for 3,000 yuan cash installment, and you can only apply after paying off the debt and restoring the credit line.

4. The installment amount of the bill is not enough

Through the above analysis of the reasons why credit cards cannot be phased, I believe everyone knows what to do if credit cards cannot be phased. In addition, cardholders can call the bank's customer service phone for consultation and seek solutions. If the credit card can't be paid in installments, you can

Loan products are abundant, the application threshold is low, the approval is fast, and the interest rate is low.

The reasons why credit cards can't be phased may be caused by these situations.

Many people usually use credit cards when spending money, but many people can't repay on time after using them. At this time, they want to use installment repayment, but installment repayment can't be used when applying, so what causes installment repayment to be unavailable? Let's talk about it in detail, so that everyone can pay attention to it in peacetime.

The reason why credit cards cannot be divided into installments is probably that the cardholder's bill does not reach the minimum installment amount. When handling installment repayment, the bank has a minimum amount. For example, if the minimum amount reaches 500 yuan and above, you can't apply for installment repayment. It should be noted that different banks have different regulations, so you can call for advice.

When credit cards are repaid in installments, some amounts cannot be repaid in installments, such as annual credit card fee, revolving interest, withdrawal amount, installment principal, liquidated damages, overdue amount and temporary amount. When credit card repays, these amounts must be paid off in one lump sum, and installments are not allowed.

When spending by credit card, the consumption limit cannot be greater than the credit limit, that is, the cardholder can't exceed the credit card, and can't apply for installment if it exceeds the credit card. It should be noted that when the credit card spending exceeds the bank's credit line, the over-limit fee will be charged, and the proportion charged by different banks is different.

Usually, credit cards can be repaid in installments smoothly, and you can choose different installments, but the fees charged in different installments are different. Users generally choose the installment number according to their income, but they can repay in advance after the installment.

If users decide that they can't repay by installments, they can borrow money from friends around them, which can avoid overdue repayment of credit cards. But he should return it to his friends in time after borrowing it, and it is best to promise the repayment date when borrowing it. It should be noted that when he can't repay the credit card arrears on time, the user should reduce his consumption quota to avoid the subsequent failure to return it on time.

The reason why credit cards can't be phased

The comprehensive score is insufficient, and the number of stages or time exceeds the limit. Some cardholders who have just used their credit cards may not be able to apply for installment due to insufficient comprehensive scores. In the subsequent process of using the card, the bank will comprehensively consider your card amount, times and repayment situation, and then decide whether to give you the installment function. Some users who have bad card-swiping habits will also encounter this situation, such as frequent empty cards, abnormal card-swiping time and abnormal card-swiping times. If the bank suspects cash withdrawal, it may also lose its installment authority.

The number of stages or time exceeds the limit. Credit card installment payment is limited. Usually, you can apply for bill installment within one billing day, and you can't do it after the installment. And there is a time limit for applying for installment payment. If the time limit is exceeded, you will be unable to apply. Monthly bill installment can only be used in the current month. The cardholder can handle the bill installment business from the day after the current billing date to the last repayment date. After this period, the monthly bill will not have to be paid in installments.

1. The reason why the credit card cannot be amortized due to partial maturity. Credit card installment payment is usually limited to the amount of credit card consumption. The unpaid part such as minimum repayment amount, cash withdrawal amount and temporary limit consumption amount cannot be applied for installment. The main reason why credit cards can't be settled by installments or paid in cash is the risk control of banks, because the cardholder's own risk limits the function of installment payment. Second, the number and amount of installments exceed the bank limit or do not meet the requirements of bank installment.

2. Due to the high comprehensive liabilities of cardholders, the use of credit card installment function is restricted. The cardholder's comprehensive debt is too high. If the debt ratio exceeds 70% for more than three consecutive months, it is easy to be identified as a high-risk customer by the issuer. Generally speaking, the higher the debt, the weaker the corresponding repayment ability, and the greater the probability of overdue. In order to avoid risks, banks usually implement risk control on high-risk customers, thus restricting the use of some functions of credit cards and even reducing the credit card quota.

3. The use of credit card installment function is restricted due to the excessive number of installments by cardholders. Although the bank encourages cardholders to pay by installments, the amount of credit card installment repayment by cardholders is too large, and most of the installments are in an unsettled state. On the contrary, banks will worry about the repayment ability of cardholders. In particular, long-term installment or long-term minimum repayment in multiple billing cycles is a manifestation of the cardholder's poor financial situation. Banks will never provide timely help to customers who are short of money. Banks will think that such customers are too risky and may be overdue at any time. In order to avoid risks, banks usually strengthen risk control, from restricting the installment payment function and withdrawal function of cardholders to reducing the amount.

4. Cardholders use their cards seriously in violation of regulations, restricting the use of credit card installment function. Serious violation of credit card generally refers to overdue repayment or obvious cash withdrawal of credit card. Overdue behavior beyond the credit card tolerance period is the most annoying behavior of banks. Occasionally, one or two short-term overdue behaviors will not have any impact on the use of credit cards. If overdue behavior occurs frequently, the cardholder will become a person who lacks the spirit of contract in the eyes of the bank, and the risk level of the cardholder will increase, which is understandable. In addition, banks are now strictly controlling illegal cashing. Many cardholders are locked in dark rooms, or the use of credit card functions is restricted, even reduced or closed. Most of them are caused by cashing out. So try to avoid using bank cards. Even if it is not punished, it is quite unfavorable for the increase of the amount.

So much for the introduction of how credit cards can't be paid in installments.