Credit cards cannot be divided into stages, mainly because the comprehensive score is not enough, including the failure to meet the requirements of division and the risk control of banks.
1, which does not meet the temporary storage requirements.
This is easy to understand. Many banks have set the initial amount, total installment amount and installment time for credit cards. Only when all three conditions are met can it be phased.
Take China Merchants Bank as an example, the minimum amount of each application for bill installment is not lower than that of 300 yuan, and it can only be applied from the next day of the current billing date to the due repayment date, and the maximum amount of application is subject to the actual evaluation results.
2. Credit cards are subject to bank risk control.
In fact, there is no standard use of cards, and credit cards are used for daily consumption, so that the use of cards is judged as an abnormal transaction by the banking system, and banks will not give them in installments. If you just can't installment, the worst result is that your card is blocked by the bank and can't be used any more.
For example, it is easy to be controlled by the wind, such as often swiping credit cards at one time, always spending on POS machines, swiping cards during abnormal business hours, etc. At the same time, he will be locked in a dark room and will not be photographed. If it is serious, directly block it.
Money flower is a small full credit product, which is the original Baidu Finance. With a financial license, you can provide users with lending services. Those who have money to spend will have a credit line of 500,000-200,000 yuan, the loan can be used for 1-24 months, the daily interest rate of the loan is at least 0.02%, and the online application is up to 200,000 yuan! The specific interest rate needs to be comprehensively evaluated according to the borrower's personal qualifications and market conditions, and the loan can be released in 3 minutes at the earliest.