95134 is the dedicated outbound customer service number for CCB credit cards. There are two reasons for calling people to apply for installments:

1. To promote the installment business.

2. Credit cards are subject to risk control.

The following is a detailed introduction to the two reasons:

1. To promote the installment business, you can choose whether to apply for it or not according to the customer's wishes. It does not have much impact. However, if it is applied, it is estimated that It is easier to raise the amount.

2. The credit card is subject to risk control. For example, if the bank finds out that you are cashing out, then you should call and arrange for installment payment. Otherwise, the credit limit may be reduced and the card may be blocked.

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Credit card installment payment means that when the cardholder uses a credit card to make large purchases, the card-issuing bank pays the merchant a one-time payment for the goods (or services) purchased by the cardholder. Consumption funds are deducted from the cardholder's credit card account in installments according to the cardholder's application, and the cardholder repays according to the monthly credit amount.

Most banks in China have credit card installment services. Installments are generally divided into shopping mall (POS) installments, "mail order installments" and bill installments through the Internet, mail, etc. depending on the occasion. .

Shopping mall installment, also known as POS installment, means that cardholders go to shopping places, such as "malls" where installment can be purchased.

When checking out, hold a credit card that supports installment in the shopping mall and indicate that you need to pay in installments. The cashier will swipe the card on a dedicated POS machine according to the number of issues required by the cardholder (such as 3 issues, 6 issues, 12 issues, etc., a few shopping malls support 24 issues).

Mail-order installment means that the cardholder receives an installment mail-order catalog brochure from the card-issuing bank (or the bank's online installment mall) and can choose from limited products. Then order through the online installment mall, call or fax the mail order installment application form, etc. to the bank for installment mail order.

There is generally no handling fee for mail order installments regardless of the number of installments. However, due to the long ordering cycle (in many cases it will take more than 15 working days to get the product) and the relatively cumbersome return and exchange process, it is recommended to do more comparisons before purchasing.

Bill installment is the most convenient installment method. Basically, all card-issuing banks can support this installment method, and the application is simple.

Users only need to submit an installment application to the card-issuing bank by phone or other methods after swiping their card for consumption and before monthly bills are sent.

However, please note that each bank will stipulate some special cases. For example, speculative card swiping will not be successful in installments. So before proceeding with staging, be sure to read the staging manual carefully.

The disadvantage of bill installment is that the handling fee cannot be waived. The longer the number of installments, the higher the handling fee, all of which must be borne by the cardholder.