Legal analysis: According to the regulations, users need to know the nature of the card first. If it is an installment card, it is impossible to appeal; Secondly, if the bank is found to induce or force the installment without knowing it, it can negotiate with the bank to cancel and waive the installment fee. Because the bank's compulsory installment violates consumers' independent choice, consumers who suffer losses can go to the regulatory authorities, that is, to the head office or the China Banking Regulatory Commission to complain or take judicial channels. Under normal circumstances, banks will not go on stage by themselves, but will only handle it after obtaining the consent of users. Because staging requires staging fees, many users are unwilling to pay extra fees, so they refuse to stage. If the user has enough repayment ability, he can repay in full; If there is pressure on repayment, you can consider the minimum repayment amount or installment repayment to avoid overdue because it has not arrived, and the consequences will be more serious. In addition, not all users can handle credit card installment. If the user's qualification and credit are poor, and the credit card is often violated and overdue, the bank may not agree to installment.

Legal basis: Article 9 of the Law of People's Republic of China (PRC) on the Protection of Consumer Rights and Interests states that consumers have the right to choose their own goods or services. Consumers have the right to choose their own operators to provide goods or services, choose their own varieties of goods or services, and decide whether to buy or not to buy any kind of goods or accept or not to accept any kind of services. Consumers have the right to compare, identify and choose their own goods or services.

Paragraph 1 of Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, under special circumstances, if it is confirmed that the credit card debt exceeds the cardholder's repayment ability and the cardholder is still willing to repay, the issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement. The longest term of personalized installment repayment agreement shall not exceed 5 years.