Log in to the online bank to check whether automatic consumption staging is enabled and confirm whether staging is required. If not, the telephone customer service needs to be tough and ask the customer service to provide telephone recordings, indicating that you have not handled the installment. This is fraud.

If it is not properly resolved, call the police or call the CBRC for compensation.

After the settlement, the bank will give you corresponding treatment, such as increasing the quota or sending some points.