If it is impossible to apply for installment due to insufficient quota, it is suggested that the following methods can be adopted:

(1) Apply for increasing the fixed quota;

(2) If the amount is insufficient, the installment transaction is completed by depositing the corresponding amount of money (that is, overpaying the installment); This requires manual application.

(3) Pay part of the money to the merchants in cash or other ways to reduce the installment amount;

(4) Call to apply for bill installment after one-time payment, but the bill installment requires corresponding handling fees. Whether the application is approved or not is subject to the comprehensive evaluation results of our bank.

How to increase the credit card limit?

1. Credit cards cannot be used as savings cards.

I believe everyone will know the difference between credit card and savings card. Credit card is a credit consumption, and it is not a good behavior to deposit and withdraw money at will. Want to increase your quota, or use it separately. It is not cost-effective to charge a certain handling fee for credit card withdrawal.

2. Always swipe your credit card

There is an annual fee for credit cards, and some types of cards can be exempted from the annual fee if they spend a certain amount. Some of them have a certain amount of money and are free of annual fees. Frequent swiping can not only save the annual fee, but also increase the credit card limit. If you use it frequently, you will become an active user of the issuing bank invisibly, and you will be rewarded when you withdraw the amount.

If there is continuous and stable consumption, there is a transaction every month, and the issuing bank will even take the initiative to give a sum of money. Even the application for permanent withdrawal may be approved.

3. Irregular high consumption

Frequent use of credit cards represents a stable activity, rather than irregular large-scale consumption. If you can repay on time, you will be recognized as a quality customer by the issuing bank. It will also be very simple for the card owner to apply for cash withdrawal. Of course, this kind of large consumption is not bursting.

There is still a big difference between frequent credit card swiping and frequent credit card swiping. Under normal circumstances, when handling credit cards, the amount will not be very high. If you often empty the quota, even if you can repay it on schedule in the future, it is also a big taboo for raising the quota.

Why can't a credit card apply for bill installment? Learn about these reasons!

Credit card greatly facilitates our life, and at the same time relieves the occasional financial pressure. One of the advantages of using a credit card is that you can overdraw your consumption and enjoy an interest-free period. If you can't pay it back in full at maturity, you can also choose the minimum repayment amount or bill installment. But if the credit card can't pay the bill in installments, it will make people anxious. The specific reasons will be answered for you.

1, overdue

The most important thing about a credit card is the word credit. If there is any bad behavior such as overdue in the process of using the card, it will be judged that your repayment ability is insufficient, and the bank naturally cannot give you an installment bill.

2. Multiplication series

You don't know, do you? Banks have a limit on the number of applications for installment. For example, CCB can only apply for one installment on a billing date, and Ping An Bank only applies for one installment every three months. If the number exceeds the limit, it will be rejected.

3. Specify the time

There is a time limit for applying for a credit card bill. Under normal circumstances, the application can only be made between the billing date and the repayment date. After this time, it won't work.

4. Installment amount

Banks also have regulations on the amount of application for bills in installments. If the amount is too small, you won't earn much interest, and you don't need to installment. If the installment amount is too large and exceeds the available credit card amount, the installment application will also be rejected.

5. Special projects

If there is a withdrawal limit and a temporary limit in the credit card, installment is not supported, and it must be paid off in one lump sum when it expires.

6. Suspected of cashing out

If you swipe your card in the wrong posture and are suspected of cashing out by the bank, you may turn off your bill installment function to show punishment, and your application will be rejected.

All of the above six situations may lead to the rejection of credit card application bills in installments. It is recommended that you know the rules in advance, so as not to be able to repay in full by installments, resulting in poor credit information.

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 my credit card be divided into installments?

You can determine the reasons for the failure of credit card installment by querying the following installment types:

1, online shopping by installment:

There are often the following reasons for the failure of credit card online shopping in stages:

A. the online payment function is not enabled on the credit card.

B. The purchased product exceeds the online transaction payment limit. You can select "Card Limit" to view or set it.

C. If the quota is insufficient, the installment quota shall be greater than the total product price. You can repay in advance, or you can try to apply for withdrawal.

D. If you don't remember the password, you can reset it.

Tips: The success of staging is subject to the review of the credit card center.

2. Payment by installments:

Transactions that cannot be paid in installments include:

A. The previous bill was not paid off in time and accumulated to the current bill;

B. Annual fee, interest, liquidated damages and other credit card fees;

C cash in advance (including pocket withdrawal), installment payment, real estate transaction, pre-authorization, etc.

Tips: If the above situation cannot be divided into stages, I suggest you contact the credit card center.

3. Store staging:

Credit card store installment payment failure generally has the following reasons:

A. The goods you bought exceeded the limit of available credit cards. I suggest you check the available credit card limit and whether there is a "card limit";

B. If the installment amount is insufficient and the installment amount is greater than the total product price, you can repay in advance or try to apply for withdrawal;

C. If you can't remember the inquiry password and transaction password, you can reset them.

Tips: The specific failure reason is still subject to the credit card center audit.

4. Cash installment:

If the cash installment fails, it is recommended that you keep the good habit of using your card and repaying money for more than 6 months before applying for cash installment. The actual audit results are based on your comprehensive scores at that time.