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.

What's wrong with credit cards not paying by installments?

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.

What are the reasons for the failure of credit card installment?

There are often card friends who like to spend a lot of money, thinking that although they can't repay in full, they can relieve the pressure by stages. As a result, I was splashed with cold water when I went to do the installment, and the bank would rather not earn the handling fee than let the installment. So what are the reasons for the failure of credit card installment?

1. There are bad records such as overdue: many people voluntarily apply for installment, which is different from the invitation of the bank. The bank will comprehensively evaluate the credit status, card usage and credit history of the cardholder, and then decide whether to provide installment services. Under normal circumstances, people who want to apply for installment may have insufficient repayment ability. If it is overdue, the bank may refuse to stage it for the sake of capital safety.

2. Exceeding the number of installments: there is no limit to the number of consumption installments, which are generally carried out at the same time when payment is made. However, the billing period is different. You can only apply once a month. Some banks also require an interval of at least one month between two installments. For example, the installment applied for on the 25th of this month, and the next installment will have to wait until the 25th at least.

3. Incorrect installment time: In general, the time to apply for installment of bills is from the day after the current billing date to the final repayment date. If this time period is exceeded, the installment application will not be approved.

4. The installment amount does not match: the bank also has regulations on the installment amount of bills. Generally, the minimum installment amount and the maximum installment amount will be set. If the application for installment amount does not meet the requirements, it will also lead to installment failure. In this case, it is necessary to know the installment amount limit of the bank in advance.

5. Wrong transaction type: The bill installment is only for the newly-increased consumption amount in the current period, such as the unpaid amount in the last month, or temporary limit, cash withdrawal amount, annual credit card fee, interest and handling fee, etc. You can't pay in installments, you must pay in one lump sum.

6. There are illegal card use behaviors: some people often swipe their cards at one time, often swipe their cards at fixed POS machines, and often swipe their cards during abnormal business hours. These are all bad credit card habits, which are easily controlled by banks, so it is easy to refuse to apply for bill installment.

In short, when applying for credit card installment, try to find out the rules of Chu Bank, and don't be upset if you can't spend all the money then.

Why can't credit cards be phased?

There is only one solution, which is to standardize the use of cards and increase real consumption. In daily life, in addition to swiping your card, you can occasionally go to high-end places to spend money, preferably special merchants of banks, which not only has points, but also makes it easy for banks to recognize their spending power. Even if there is a lot of consumption in the future, it will not necessarily be controlled by the wind.

Whether a credit card can be repaid in installments is something that has been agreed in advance when handling a credit card or borrowing money. In the absence of agreement, the bank has the right not to allow installment payment. At this time, we can only find a solution through consultation with the bank. First of all, prepare your materials, proof of your debt and income, and give them to the bank, usually a credit report and income certificate issued by a company or unit. Prove that you have a stable repayment ability. Secondly, what kind of repayment plan do you give the bank? For example, if you want to divide it into 12, 24, 30, 48, 60, the longest is 60, and how much is each issue? Specific to the detailed figures. This plan must be reasonable, acceptable to you and acceptable to the bank. If you owe 40,000 yuan, it is more reasonable to repay 2,000 yuan in 20 interest-free installments.

The following situations will lead to insufficient comprehensive score of credit card installment, which will make it impossible to installment normally:

1, some banks have certain requirements on the time and amount of card installment;

When the cardholder has not applied for a credit card for a long time and the card amount is relatively low, applying for installment repayment will prompt that the comprehensive score is insufficient;

Cardholders can use credit cards to spend more, and the bank will decide whether to let you handle the installment according to the cardholder's card use.

2. Bad use of credit cards, such as overdue credit cards, cashing out, etc., will also affect the comprehensive score, so banks will not agree to such cardholders to handle credit card installment;

Cardholders can use their credit cards reasonably and keep good habits, so it will be easier to apply for installment.

3. Frequent minimum loan repayment is also one of the reasons leading to insufficient comprehensive score;

Banks will think that cardholders' repayment ability is insufficient, and banks need to bear greater financial risks. In this case, it is more difficult to handle the installment payment.

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.

Why can't credit cards be repaid in installments?

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. When using cash, you can also exchange cash on the platform! 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.

Why can't we introduce an installment credit card? Let's stop here.