It may be that the bank staff has a task. In order to complete the task, they call people with phone numbers every day, and they have your phone number. If Bank of China often calls users to make installment plans, the most important thing is to earn credit card installment fees. However, Bank of China will not call every credit card user. It usually targets users who frequently spend large amounts. If there is a large amount of consumption and a fixed merchant, then there is a suspicion of cashing out. If the customer service allows the user to pay in installments, the risk of derating or card blocking can be reduced. However, users use their credit cards normally and do not have any illegal operations. They are not worried about card blocking or reduction, so they can reject the installment offer.

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Types of credit card products

1. According to different card issuers, they can be divided into bank cards and non-bank cards

Bank cards . This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

Non-bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., used for purchasing tickets, meals, accommodation, entertainment, etc.

2. According to the different objects of issuance, it can be divided into corporate cards and personal cards

Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, national party and government agencies, military units, groups and other legal entities.

Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income. A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.

3. According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards.

Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.

Gold Card. A gold card is a high-end credit card that pays high membership fees and enjoys special benefits. Cards are issued to those with higher credit standing, stronger repayment ability and credit, or those with a certain social status. The authorization limit of the gold card starts from a higher level, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.