There are often card friends who want to apply for installment to ease the repayment pressure after spending a large amount of credit cards. As a result, who knows that the installment application was rejected. If you have encountered this situation, you must first find out the reason why staging is not allowed, and then try to solve it.

1. Why not let the credit card bill be in installments?

There are still many reasons.

1, which may be due to insufficient comprehensive score. After all, many bank bills need to be reviewed after being submitted in installments. If the comprehensive evaluation is insufficient, they will refuse to handle it. There are many reasons for the lack of comprehensive score, which may be being locked in a small black room, or it may be overdue and the card is not standardized.

2. Maybe the installment time is wrong, and the bill can only be made once a month. This time is generally based on the last installment time. For example, last month was staged on February 30, and it may be until March 30 or later.

3. The transaction type and installment amount are incorrect. Neither installment amount nor cash withdrawal amount can be installment, and temporary limit and over-limit limit do not support installment. Only the newly-added transaction part can be divided into installments, and the installment amount shall not exceed 95% of the newly-added transaction amount.

2. What if the credit card bill is not allowed to be divided into installments?

If you have the repayment ability, don't let it repay in full by installments, and let the bank recognize the repayment ability. In addition, it is also a good choice to repay with external help, borrow money from relatives and friends, or repay with the whole family. I really can't. Try the minimum repayment amount.

In addition, people who are hospitalized or isolated due to new pneumonia infection, observers who need to be isolated due to epidemic prevention and control, staff who participate in epidemic prevention and control, and those who temporarily lose their income sources due to epidemic prevention and control can apply to the bank for deferred repayment as long as they provide relevant certificates, but generally they can only be postponed for one month, and they need to pay two months' bills next month, which is a great repayment pressure.

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.

What's wrong with credit cards not being phased in?

Staging is mainly to collect fees, and the fees of each bank are different, so you need to know the fee rate before calculating. For example, if it is divided into 12 stages, the rate of one stage is 0.6%:

Installment principal =30000/ 12=2500 yuan.

Handling fee for each period = 300,000.6% =180 yuan,

12 total handling fee =18012 = 2160 yuan,

The repayment amount of each installment =2500+ 180=2680 yuan.

Handling fee = installment interest rate of installment principal.

After the cardholder successfully handles a single installment, the credit line corresponding to the credit card will be occupied, and the occupied credit line will be gradually restored with the repayment of each installment until the balance of the last installment or all installments is paid off in advance.

The cardholder has successfully processed a single installment amount, so he can't apply for installment again and choose the minimum repayment method to repay. If the cardholder fails to fully repay the remaining bill amount of the current period on time after successful handling, or the amortization amount of any period during the installment period is not fully repaid, it will be deemed as not fully repaid, and interest or late fees will be incurred.

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First, is the credit card not phased by the wind?

Credit cards do have the possibility of not staging, but it is not necessarily because customers do not meet the staging requirements, such as:

1. The customer fails to handle the installment within the specified time: if the customer handles the installment of the bill, it must be done between the opening of the account and the repayment date. On the repayment date, there is generally no way to apply again; If it is a consumption installment, it is generally necessary to apply after the consumption is recorded and before the bill date, and the application after the sunrise of the bill is the bill installment.

2. The installment amount applied for does not meet the requirements of the issuing bank: banks have requirements on the installment amount of credit cards, and many regulations stipulate that the minimum installment amount cannot be lower than that of 500 yuan, so if the customer's consumption is lower than that of 500 yuan, then the customer cannot apply for installment. Also, for example, the Construction Bank stipulates that the maximum amount of bills in installments shall not exceed 90% of the total consumption in the issued bills, and the customer wants to installment all the bills of the card and cannot handle them.

Second, the best solution for credit card to be controlled by wind:

The user actively contacts the issuing bank and asks why the credit card is controlled by the wind; Then solve the problem under the guidance of customer service; After the problem is solved, the user can apply to restore the normal state of the card; After receiving the application, the issuing bank will re-examine the card, and when the card meets the conditions for releasing risk control, the card will be released from risk control status. Therefore, after credit card risk control, users should take the initiative to contact the bank instead of waiting for the bank to automatically cancel the risk control.

If you don't introduce the installment, don't talk about the credit card.