credit card installment is definitely beneficial. For example, there is pressure on repayment, and installment repayment is to disperse the pressure. However, the biggest benefit of installment repayment is obtained by banks, because there are fees for installment repayment, such as handling fees.

Take Taobao's installment as an example: 1299 yuan goods are divided into three installments, and the monthly repayment is 442.96 yuan, and the extra payment is 3*9.96 yuan. The credit card installment fee is definitely several times higher than Taobao installment.

if there are no special circumstances, don't answer the customer service calls of credit cards, which are the sales promotion business and insurance business of third-party telemarketing companies.