You can make a complaint without your consent, but you must first check whether you have clicked on authorization unconsciously. If you have authorized it, the complaint will not work. If you have not authorized it, If the bank does not accept the complaint, you can directly complain to the local banking regulatory bureau, which is the Banking Regulatory Bureau. They are the management bank and conduct business supervision on all banking industries under their jurisdiction. However, the Everbright Bank credit card has its own installment function. This reminder is not only on the back of the card, but also in the user manual sent with the card. As a cardholder, you should read the manual to understand the functions and characteristics of the card. Everbright's Customer service is not obligated to call each Fu card holder to inform them of the installment fees. Big cards do not have default installments. Therefore, first distinguish whether you have a big card or a small card, and then solve it.