Card friends often encounter such things. Their credit cards are not phased, but automatically phased by the bank. In fact, this kind of thing is more common, so why is the credit card automatically phased?

1, customer service guidance: for example, customer service calls and invites you to apply for installment through various slogans. It is common that the current installment rate is 30% or 20%, or the number of installments is longer, such as the longest 36 and the longest 24. If you are fooled into agreeing, I will apply for automatic staging.

2. Automatic installment of the full amount: When applying for a credit card, the terms are numerous and complicated, and few people will read it carefully. Maybe any bar has an automatic installment clause. If you don't check it carefully, as long as your consumption reaches the standard, it will be automatically phased.

3. We handle automatic installment credit cards: At present, many banks, such as China Merchants Bank, China Construction Bank, Xingye and China Everbright, have launched automatic installment credit cards with the function of automatic installment. Any consumption generated after processing, regardless of the amount, will be automatically phased.

In short, automatic credit card installment is nothing more than these three situations. But in addition to the first case, the installment-related terms are generally listed in the application terms of credit cards, so you need to know the terms before applying for credit cards.