Many people are monitored by the system for abnormal card use because of large consumption behavior, and the customer service of Everbright Credit Card will call and invite them to apply for installment. Although it is mainly to promote business, there are also reasons to worry that the card holders are not here yet. If you receive a phone call and refuse the installment, the cardholder is at greater risk and is likely to be controlled by the bank, from reducing the quota to sealing the card.