We need to find out what a credit card is and why it is often invited by installments. Credit card means that when the cardholder makes a large consumption, the bank pays all the large expenses to the merchant at one time, and then the cardholder repays the bank by installments. Because most of us can't afford to pay a large amount of consumption at one time, at this time we will borrow a fee from the bank and then reduce the repayment pressure by installment. Staging is not free, but there is a certain handling fee. At first, you will find this installment more convenient and reduce your pressure, but if you change an account, its interest will be higher than some loan procedures. Sugarcane is not sweet at both ends. If you choose another, you sacrifice the other.
If you have a lot of money, the bank will call you when it receives the news and invite installment. If you refuse to stage, it doesn't really affect you. We need to understand why the bank invites you to make big purchases. Their main purpose is to increase the income of banks. In order to increase income, banks actually need interest and need to obtain high interest profits from customers. If you make a large consumption and pay it off in one lump sum, there will be no interest and income for the bank. If it is divided into six installments or 12 installments, they can charge higher interest than ordinary loans, and they can earn profits from it.
You can directly refuse when you receive the bank's request to use the card for installment, which will have no influence on you, and you will not stop your credit card and reduce your limit just because you have no installment. As a customer of the bank, they want to earn your interest from you and will not lose you as a customer because you refuse their installment payment.