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 if the credit card can't be divided into installments? You can try these methods.

In normal times, many people will use credit cards for spending, but after spending more, many people have to use installment repayment, which can reduce the monthly repayment amount, but what is the reason why credit card repayment cannot be installment? Do you usually pay attention? What should I do in this situation?

If users can't use installment when repaying credit card debts, they can borrow money from friends around them to repay credit card debts to avoid overdue repayment of credit cards. However, when you borrow money, you'd better promise the date of return, and don't often borrow money from friends around you, otherwise it will arouse others' resentment.

When the credit card cannot be divided into stages, it may be caused by various reasons, such as the amount of credit card consumption of users does not reach the amount required by the issuing bank; In addition, the cardholder has been overdue for many times when using the credit card, and the bank will refuse to handle the installment.

Credit cards cannot be used in installments. It is also possible that there is a withdrawal limit and a temporary limit in the credit card. These lines cannot be used for installment repayment, and users must pay them off in one lump sum. Then the bank refused to pay in installments when the credit card was cashed out.

Users can choose different repayment periods when applying for credit card installment, but the fees charged in different repayment periods are different. After installment, users can repay in advance, which can reduce interest expenses. If you don't always pay in installments, it is very unfavorable to increase the credit card limit.

Credit cards must be repaid on time, and there can be no overdue repayment, because there will be penalty interest after overdue repayment, and the longer it takes, the more penalty interest will be generated. Moreover, overdue repayment will affect personal credit information, and credit information will affect the handling of various loans, such as car loans or mortgages.

What if the credit card can't be repaid in installments?

Negotiate repayment with the bank: If the cardholder has no source of income, he can truthfully report his personal situation to the issuing bank, and then actively negotiate with the bank staff to see if he can cancel the account. If it is approved, it can be repaid as agreed.

There are many reasons why we can't pay by installment:

1. The consumption amount did not reach the minimum amount required by the issuing bank.

2. The credit card type belongs to the credit card that cannot apply for installment repayment.

3. The cardholder has a bad record of overdue repayment.

4. The cardholder is suspected of illegally cashing out.

Extended data

If you can't repay your credit card in full, you can choose to repay it by installments. Although installment is not very cost-effective, there will be a lot of interest, but if you don't choose installment, your credit card will be overdue, which will affect your personal credit. If it is serious, criminal responsibility will be investigated. Therefore, to a certain extent, installment repayment is also a better way to alleviate the repayment pressure.

If you apply for installment payment, you must also repay it on time, and don't delay the installment payment. If the installment payment is overdue, the consequences will be very serious and bad records will be produced. Bad records can't be eliminated for several years, which will affect your bank loans, the use of credit cards in all banks may also be affected, and you may be given a credit card, and the handling in other banks will also be affected.

Hurry to raise money and call customer service to see if it can be delayed for a few days. If you can't put it off, find a way to pay it back. The late payment fee is not much, and it is not the most important. Credit history is the most important.

Baidu encyclopedia-credit card installment

Baidu encyclopedia-overdue repayment

What if credit card bills are not allowed in installments? The solution is here.

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 repayment ability, don't let the bank repay in full by installments, and let the bank recognize your repayment ability. In addition, borrowing money from relatives and friends is also a good choice, or the whole family can repay it together. 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.

Credit cards are not allowed to be divided into stages. What should I do?

Not all banks can apply for installment repayment, so you need to ask whether you can apply for installment before you apply for a credit card.

The items that banks generally prohibit by stages mainly include:

1. Annual fee, principal of previous installments, revolving credit interest and liquidated damages;

2. Transfer transactions, gold transactions, hotel pre-authorization transactions and other transactions;

3. Transactions and funds in US dollar accounts that have applied for foreign exchange purchase; Banks with the above projects will refuse to apply for installment.

There are also some bank regulations:

1. The installment amount must meet the standard, and the landlord's installment amount must be in 500 yuan and above;

2. The installment amount is limited, and the maximum amount that the landlord applies for bill installment shall not exceed 90% of the current bill amount and 80% of the permanent credit line;

3. The minimum repayment amount of the landlord's bill after installment is still the minimum repayment amount of the bill issued in this period.

If the above requirements cannot be met, the bank will refuse to apply for credit card installment. If none of the above is involved, the credit card cannot be divided into stages, so it is recommended to go to the bank for consultation.

It's actually quite simple. It may be that our past use card was not in place and was controlled by the wind, which limited our staging. In fact, credit cards can't be divided into stages, which is quite serious. Because it may be downgraded at any time, what should I do if this happens?

1. Increase actual consumption; In this case, it is best to go to some high-end places and do some consumption. It is best to go to the special merchant of the bank. In this way, your credit card spending will become more normal.

2. Shopping in the credit card APP mall is mandatory; In other words, we can choose what we need in the shopping mall of the credit card itself, and the display can be staged. We can buy it directly by credit card, so we can buy it in installments. In this way, there will be a consumption installment in our credit card.

3. Do some operations such as recharging phone bills; Similarly, in the credit card APP, we can do some phone recharge, not to say how much to charge. Just do some such operations, even a hundred dollars.

4. Try not to repay, so that the available amount can be restored to more than 50% of the total amount; For example, 20,000 yuan, regardless of the bill, when we repay, don't let his available amount return to 10000, because sometimes, if we overpay, he may immediately reduce the amount with us. So we can return a part first, then transfer it out later, and then return a part. Repay gradually. Of course, this is not to tell us to fast forward and fast out.

The above operation can effectively buffer this card, and it will last for a while, which is not something we can do in a day or two. Secondly, it does not mean that you can feel at ease and be unscrupulous after doing these operations. What we do is to be safer and reduce risks. Therefore, strict risk control must be done at all times to ensure greater security.

What if the credit card can't be divided into installments? You can try these tricks!

For credit card repayment, in fact, banks still have many concessions. For example, the grace period, most banks have a three-day grace period, and the grace period is not overdue; You can also pay the minimum repayment amount or installment repayment. Although you will pay a certain fee, it is better than overdue. What if the credit card can't be divided into installments? Then let's briefly talk about this problem, hoping to help everyone.

1. Why can't credit cards be phased?

On the one hand, it is the user's own reasons, such as insufficient comprehensive score, being locked in a small black room, and the bank itself does not allow it. For example, when the withdrawal quota and temporary quota expire, a one-time payment is required. At this time, it is impossible to apply for installment, and the bank also has restrictions on installment application, once a month or once every three months, and it is not acceptable to exceed it.

2. What if the credit card cannot be divided into installments?

1. Ask for help from relatives and friends: Because the credit card will be overdue, you should "confess" to your relatives and friends as soon as possible, and the other party should help you. But remember to borrow money from relatives and friends and pay it back on time, not frequently.

2. Negotiate repayment: Try to apply to the bank to see if you can postpone repayment. You need to bring proof of insufficient funds and other debt information to show your pressure and willingness to repay, and you may succeed.

The above is about "What's wrong with credit card installment? What should I do? " Generally speaking, the reason why credit cards cannot be divided into stages is related to the comprehensive qualifications of cardholders and the regulations of banks. Therefore, in order to avoid overdue, you can ask relatives and friends for help or negotiate with the bank to apply for deferred repayment.

This is the end of the introduction about how credit cards can't be divided into stages and how to do it. I wonder if you found the information you need from it?