1. You are overdue, so it is reasonable for the bank to cancel your installment payment. There are regulations in the credit card terms and conditions.

2. Cancellation is not allowed after the installment payment is successfully processed. Even if the payment is repaid in full in advance, handling fees will be calculated.

3. I don’t know what you mean by the payment. If it’s a credit card, just look at the bill yourself.

4. Some cardholders have had success in coordinating late fees and interest exemptions, but this is not the case like yours. You can try, but it is probably very difficult. In this case, no matter how many calls you make, it won’t be of much use. Just go to the store directly. Communicate with the bank card department. Another thing is that the person you will communicate with in the next step will no longer be a salesperson. Instead, you will face more professional professionals such as bank accountants and legal affairs.

Personal advice; an installment of 19,000 yuan is only a few thousand dollars in interest. Think of ways to make money. After you have been struggling for a long time, you will find that the interest you have obtained from the bank may not be enough. You can earn a lot of money by working for a few days.