according to the regulatory requirements and the bank's own internal regulations, it is definitely impossible for the bank to open this business without the customer's consent or authorization.

In practice, many customers have checked the relevant options when they apply for a card, or made relevant representations when they received a marketing call or text message from the bank, but they forgot it after a long time; It is also possible that the customer misunderstood the meaning of the terms or the expression of the staff when communicating.

It is not excluded that some salesmen deliberately hide important information to induce customers, and even check the "automatic staging" option on the application form for customers in violation of regulations. Usually, credit card holders don't read the terms carefully, and bank staff don't inform the relevant business information in detail. In this case, cardholders are easily "cheated" and passively choose the installment business.