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 staging exceed the bank limit or do not meet the requirements of bank staging.

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 if the credit card can't be divided into installments?

It is reported that credit cards cannot be divided into stages mainly because of the lack of comprehensive scores. If you want to crack it, you have to find the reason and prescribe the right medicine. Generally, we can start from two aspects, one is the qualification of the applicant, and the other is the use of credit cards.

I qualifications of the applicant

If there are problems in the applicant's credit information, such as high debt and tight funds, these problems can be basically exposed by checking the credit information, and then corresponding solutions can be taken. If there is a problem with credit reporting, pay off overdue debts and then slowly develop credit reporting through subsequent credit cards; Those who are heavily in debt must find ways to raise money to pay off their debts and reduce their debts. If funds are tight, applications for loans and credit cards must be reduced recently.

Second, the use of credit cards.

It is precisely because there is no standard card that it is controlled by the wind. For example, credit cards are overdue, or frequent installments, minimum repayment amount, etc. The biggest possibility is that there is illegal card use, such as frequent large-value transactions on the same POS machine of the same model, repayment is completed within a few days, and the card is maxed out every month.

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.

Reasons why credit cards cannot be phased:

First, 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.

Second, the use of cash installment funds is incorrect.

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.

Fourth, the installment amount of the bill is not enough.

After making a large amount of consumption, the cardholder knows that he can't repay in full on a single billing date, and can pay in installments through the billing installment service. Every bank statement has a requirement for installment amount. For example, the installment amount of CCB should be above 600 yuan, and the billing installment of China Merchants Bank should not be lower than that of 300 yuan. If your bill amount is lower than the minimum requirement of bank installment, you can't apply for installment.

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.

Why can't my credit card bill be paid in installments?

Take Guangfa Bank as an example, because it does not meet the conditions of bill installment.

The cardholder's qualification to apply for bank bill installment business is also restricted by the bank's risk policy. Only when the cardholder meets the access conditions of the bank's risk policy can he handle the bill installment business. Whether the cardholder is qualified to apply for business shall be subject to the examination of the bank.

Cardholders applying for bill installment business must at least meet the following conditions:

1. If the cardholder applies for RMB bill installment business, the installment amount of RMB bill in the current period must be in 500 yuan or above; To apply for foreign currency (USD) bill installment business, the installment amount of current USD bill must be above USD 50;

2. The maximum amount of the cardholder's application for bill installment shall not exceed 95% of the current bill amount and 80% of the cardholder's current installment business quota. The actual amount is subject to the approval of the bank;

3. When the cardholder handles the installment business of foreign currency (US dollar) bill, the installment period of foreign currency (US dollar) bill is the principal part of the US dollar bill amount of the RMB-US dollar dual-currency card or foreign currency single-currency card held by the cardholder, and it is necessary to select the RMB account credit card that the bank can installment bill as the repayment card.

Extended data:

Once the cardholder's bill installment application is approved, it cannot be revoked and the number of installments cannot be changed. Whether the cardholder's bill installment application is passed or not shall be subject to the comprehensive evaluation result of the bank. If the cardholder fails to apply for bill installment, he will repay the bill normally according to the bank regulations. Whether the cardholder is eligible to apply for bill installment again shall be subject to the comprehensive evaluation results of the bank.

After the cardholder successfully handles the bill installment, if the cardholder fails to fully repay the remaining bill amount after deducting the bill installment amount in the current period, it will be regarded as incomplete repayment, and even after the customer applies for bill installment, it will still generate circulating credit interest or liquidated damages.