1. Due to the different consumption habits and financial conditions of different customers, customer service by stages needs to make appropriate staging plans according to different situations, and ensure customers' understanding and acceptance of the plans. At the same time, we should also deal with the problems of overdue repayment and early repayment encountered by customers in the process of installment repayment.

2. Staging customer service needs to communicate with customers, understand their needs and situations, and explain the relevant details of the staging plan. You need to be able to express your views clearly and accurately, and listen to customers' opinions and suggestions patiently.