The customer service of credit card bill installment is relatively not very tired. This is a shift system. People who like to make phone calls will do it more easily. As for the salary, it also depends on the specific business volume, and the commission should be mentioned in the interview.

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Advantages of credit card bill installment payment:

1. Relieve the repayment pressure: The biggest benefit of handling credit card installment business is definitely to reduce the burden. When the single-phase bill is too high, the pressure on cardholders to repay in full will be even greater. The bill can be divided into several months by stages, and the cardholder's repayment pressure will be less. Imagine that if you ask your parents to borrow it, your family will be worried; If you borrow it from a friend, you owe a favor. In the future, it is better to change the meal with the interest of the bank.

2. It helps to increase the credit card limit: banks operate through fees, interest and annual fees. There is an installment fee for handling credit card bills, so that banks can make money. Of course, banks will hope that cardholders can handle installment business frequently. The underlying rule is that after the cardholder applies to the bank for credit card withdrawal, the bank is more willing to approve it, and the success rate of cash withdrawal will increase.

3. Credit card bills are discounted by installment: banks will hold some credit card discount activities from time to time, among which credit card bills are discounted by installment. At this time, you can reduce certain interest or handling fees, which is quite cost-effective.

4. Credit card value-added discount: Bank credit cards generally have special discount merchants, and shopping malls can give gifts at a discount or in full, while the accumulated points can be exchanged for gifts, airline miles or cash in the future.

Disadvantages of credit card bill installment:

1, bear the installment fee: every bank has to charge a certain fee for credit card installment business, and different banks charge different fees. Take the recruitment behavior as an example, the handling fee of 12 is 0.66%, and the longer the staging time, the higher the handling fee will be. Then, if the installment bill is 5000 yuan, you need to bear the installment fee of 33 yuan every month, and the fee for 12 is 396 yuan. And the handling fee will not be reduced, and the advance payment will also be deducted.

2. Reduce the available amount: As the credit card amount is fixed and the bill is phased, the amount of flexible use will be reduced, which will affect the next consumption.

3, easy to lead to excessive consumption: Because it takes a long time to pay back the money, and only a little each month, the repayment method of "spending 240 yuan every month and only paying back 20 yuan" is easy to give cardholders an illusion that spending money casually is easy to repay, so it is easy to lead to excessive consumption, high bills, and people forget their own consumption.