How to break the bank loan if CITIC Bank cannot pay in installments?

CITIC Bank’s credit card (debit card) cannot be used for installment, which may be caused by a variety of reasons: for example, the installment amount does not meet the minimum requirement; the status of the credit card (credit card) is abnormal; the credit card (loan card) debit card) is currently overdue; the available limit of the credit card (credit card) is insufficient; the time for applying for installment is wrong; the type of transaction does not support installment; orders that have been installment cannot be installment again, etc.

There are many reasons why CITIC Bank's credit card (debit card) cannot be installmentd. If the user is unclear, he or she can directly call the customer service hotline for consultation.

How to solve the problem that CITIC Credit Card cannot be used for installment?

To apply for installment with CITIC Credit Card, the applicant must be the main cardholder, have a good card usage record, and have no overdue repayments. In addition, cardholders who only hold business cards or official cards cannot apply for installments. If you meet the conditions and still cannot apply for installment, it is recommended to continue using the card, spend at as many types of merchants as possible and repay in full. You can also try to directly call CITIC Bank customer service hotline 95558, or CITIC Bank Credit Card Center 4008895558 to apply for installment.

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1. The card usage record is poor or the current repayment is overdue. When your card history is poor, the bank will deny your installment request. When your current repayment is overdue, your overdue record has been uploaded to the credit report by the bank, so your bill has been included in the overdue penalty interest and cannot be installmentd. Your credit card is a business or business card. CITIC Bank currently does not support commercial card or business card bill installment.

2. Generally, customers can only make installments if their credit card usage is relatively good. On the contrary, some customers who have bad card usage are not eligible for installments. Generally, if CITIC Bank applies for installment and meets the conditions, it can carry out bill installment.

(1) Cardholders meet the conditions for bill installment processing; (Except for business card and foreign cardholders, supplementary card customers can apply for it on their behalf by the main cardholder)

(2 ) The cardholder’s bill installment amount for the current month is 200 yuan and above; (except for transactions that cannot apply for bill installment)

(3) The maximum amount for which the cardholder applies for bill installment shall not exceed the current bill amount of 95. For credit card installments, you must ensure that your credit limit is greater than your shopping limit, and there is no extension of debt; bank credit card installment applications are limited to a minimum amount, and there is no way to make installments below this amount.

3. If the card can still be used normally, the limit has not been reduced, and you can still make large purchases, it may not be risk control. After all, sometimes the card cannot be installmentd simply because it does not meet the installment requirements. For example, China CITIC Bank stipulates that only cardholders with a monthly bill amount of two hundred yuan or more can apply for installment (the maximum installment amount shall not exceed 95% of the current bill amount). ). If your credit card meets the installment requirements but cannot be installmented, and the customer is not sure whether it is risk control, you can also call the staff of CITIC Bank to consult. If risk control is required, CITIC Bank will generally send risk control warning text messages to customers.

Why CITIC Credit Card cannot be paid in installments

Card holders often report that after applying for a CITIC Credit Card and maxing out the card, they want to repay in installments but find that they cannot do so. Logically speaking, CITIC Credit Card cannot be repaid in installments. Bank credit cards can provide cardholders with bill installment services, so why can’t they do so? Let’s take a look at it with everyone.

How to apply for installment of CITIC credit card bill

Under normal circumstances, you can apply for installment within three working days from the date of the CITIC credit card statement to the due date of repayment, and the maximum installment amount does not exceed 90 of the unpaid portion of the current period's bills, if the conditions are met, can be handled through the following four methods:

1. Telephone handling: call CITIC Credit Card's 24-hour service hotline 400-88-95558, and transfer to manual Service processing;

2. Online banking processing: log in to CITIC Bank credit card online banking application;

3. Mobile banking processing: apply for CITIC online banking through mobile WAP;

4. Xindong Space processing: Download a "Xindong Space" on your mobile phone and log in to handle it.

CITIC credit card bill cannot be paid in installments

Some cardholders reported on Zhihu that their card was maxed out and they were preparing to pay the bill in installments, but the result was that I could not pay the bill in installments. Why is this happening with CITIC? I thought. Know what it takes to qualify for installment. She said she was very worried about the interest of RMB 300 a month. Although there are only a few installment conditions for CITIC credit card bills, few of them can actually apply successfully. Many cardholders have similar experiences, and it seems that they have met the installment conditions. , but the application showed that I was not qualified. For this reason, many cardholders expressed their opinions:

1. Yangti Wei: I called customer service when I wanted to use it, but I was not qualified, and CITIC’s It’s also very difficult to apply for a credit limit, and you can only use the phone to raise the limit, and the app cannot operate it. CITIC has a cash installment plan, which is similar to a bill installment plan. You can transfer the amount to a savings card and repay it in installments. The cost is similar to the bill installment plan, but you can’t apply for it yourself. Phone invitation, personal feeling, CITIC Credit Card is an incomplete credit card compared with other banks.

2. Anonymous user: CITIC Credit Card is a liar. It will not take the initiative to enable the installment function for you. You have to call yourself to apply for the installment function, but even if you apply, it will say You failed the review and refused to enable the installment function for you. This credit card is the credit card I have most failed to apply for and has the worst service. I sincerely hope that everyone will not use CITIC.

It is really annoying that CITIC credit card bills cannot be paid in installments. I don’t know the specific reason. Anyway, to use a sentence from CITIC, “the application result shall be subject to the comprehensive assessment result of the card center.”

Why can’t CITIC Bank credit card be paid in installments?

1. The card usage record is poor or the current repayment is overdue. When your card history is poor, the bank will deny your installment request. When your current repayment is overdue, your overdue record has been uploaded to the credit report by the bank, so your bill has been included in the overdue penalty interest and cannot be installmentd.

2. Your credit card is a business card or official card. CITIC Bank currently does not support commercial card or business card bill installment.

: Five major card types of CITIC Bank credit cards

1. SF Co-branded Credit Card

SF Co-branded Credit Card is a co-branded credit card created by CITIC Bank and SF Express Group and is supported by SF Express Developed and loaded with rights and functions for CITIC customers based on the APP, CITIC SF co-branded cardholders can exclusively enjoy SF Selection, overseas shopping and Fengyun VIP qualifications and rights. At the same time, you can also enjoy 20% off transshipment freight, 60 days of free warehousing service, 30% off return and forwarding service fees and other discounts. Currently there are UnionPay Gold Card and VISA Gold Card, and MasterCard Gold Card will be launched soon.

2. CITIC Tencent QQ co-branded credit card

CITIC Bank and Tencent Technology Co., Ltd. jointly launched a co-branded credit card with exclusive benefits for QQ users. The card surface is available in embossed version and transparent plate. . The QQ user's QQ number can be embossed on the front of the credit card to show your trendy personality. For users who have not provided a QQ number, they can also get a QQ number for free, and exclusively launched online transaction points.

3. CITIC UnionPay Standard IC Credit Card

CITIC’s first IC chip card is safe and stable, one card can be used for multiple purposes, and one-click payment is available. Insert the chip part of the CITIC IC credit card into the chip card slot of the POS machine to complete the transaction. On machines with the Quick Pass logo, small-amount offline consumption can be supported.

4. CITIC Yueka Credit Card

CITIC Yueka Credit Card provides emergency assistance covering more than 270 hospitals in 31 provinces and cities across the country. If an accident occurs, cardholders can receive Emergency rescue, stationed in the nearest network hospital. Together with Supreme Car Rental, we provide cardholders with car privileges in more than 30 cities across the country. Car rental stores are mainly located in airports, terminals, stations, central business areas and tourist attractions, providing cardholders with more convenience for business and vacation travel. and great deals. You can also enjoy 15 million yuan of aviation accident insurance, high-cost flight delay insurance, VIP-level services, car roadside assistance services, business car booking services, 10,000 yuan of accident insurance, appointment registration and escort services, etc.

5. CITIC Bank i Platinum Credit Card

CITIC Bank i Platinum Credit Card transactions through designated platforms such as WeChat Pay, Alipay, JD Pay, Meituan Pay, Xiaomi Pay and other designated platforms can be counted as double. For points, the cumulative limit for each customer per natural month is 2 times the customer's permanent quota. Platinum credit cards can enjoy platinum business travel privileges, platinum travel protection, platinum health protection, platinum charity, platinum exclusive services, platinum exclusive rights, etc.

Excuse me, why can’t I apply for installment with my CITIC Bank credit card?

It may be due to the following reasons: 1. Your credit card limit is insufficient, so you cannot pay the installment. 2. The credit card limit is insufficient or the product does not support installment. 3. It may be because there are still outstanding balances on the credit card.

How to apply for installment payment:

Call the customer service hotline of the credit card center to apply, (400-889-5558)

Or go to the bank counter to apply for installment payment,

You can also apply for installment repayment on the credit card APP.

It is generally more convenient to call and transfer the installment repayment manually.

How to apply for installment repayment

1. Telephone application: Cardholders can call the bank’s credit card center and transfer to manual customer service, and apply for cash installments from the customer service staff.

The cardholder selects the number of installments, installment amount, debit card account number and reason for borrowing. The person selects the number of installments, installment amount, debit card account number and reason for borrowing.

2. Online banking application: The cardholder logs into the bank’s official website and chooses to apply for cash installment.

The cardholder selects the number of installments, installment amount, debit card account number and reason for borrowing.

The cardholder can complete the application by entering the dynamic password and cash withdrawal password.

Ping An Credit Card has launched various installment services. If you need to know more, you can log in to credit card online banking and click "Instalment Management" at the top of the page to inquire.

1. If you want to apply for a bill/single installment, you can log in to the CITIC Bank APP, click: Credit Card—More—Instalment Loan—Bill/Single Installment, and apply according to the prompts;

Warm reminder: The installment fee rate is differentiated based on the actual card usage of each customer. The specific fee standard can be viewed when applying.

Operating environment: Xiaomi 6XMIUI12.0.2.0 CITIC Bank APP version V7.5.2

I have had a CITIC Bank credit card for four months. Why can’t I pay for bill installments?

CITIC Bank's application for installment needs to be reviewed

1. Generally, only customers with good credit card usage can get installment. On the contrary, some customers with bad credit card usage will not be eligible for installment. Qualified.

CITIC Bank can generally apply for bill installment if it meets the conditions.

(1) Cardholders meet the conditions for bill installment processing; (Except for business card and foreign cardholders, supplementary card customers can apply for it on their behalf by the main cardholder)

(2 ) The installment amount of the cardholder's bill for the current month is 200 yuan and above; (except for transactions that cannot apply for bill installment)

(3) The maximum amount for which the cardholder applies for bill installment shall not exceed the current bill amount of 95.

2. Credit card installment must ensure that your credit limit is greater than your shopping limit, and there is no extension of debt;

3. Bank credit card installment applications are limited by the minimum amount. There is no way to make installments below this amount.

If you encounter problems with credit card installments, it is recommended to call the bank service hotline for consultation.

CITIC Bank Credit Card Center: 4008895558

CITIC Bank Customer Center: 95558

Extended information:

Introduction to CITIC Bank Credit Card Bill Installment Payment :

The interest-free installment payment service for bills provides cardholders with an interest-free installment service for repaying the current bill amount. After paying a certain handling fee, the cardholder can repay up to the current bill amount. 90 will be made in installments according to the number of installments applied by the cardholder and will be repaid in equal amounts starting from the next billing cycle, without the need to pay interest due to incomplete repayment.

Application amount: no more than 90% of the unpaid portion of the consumer transaction amount that has been issued in RMB, with a minimum of RMB800.

Application time: Submit an application within the time interval between the current bill date and three working days before the due repayment date.