Both methods have advantages. In order to attract customers to apply for installment, some banks may offer certain preferential interest rates when inviting them. If the customer needs installment, he can take the initiative to contact the bank for installment business; When receiving the invitation from the bank, you can also accept the invitation from the bank to handle the installment. If there is no installment requirement, there is no need to apply for installment, and the bank invitation can be rejected, and it is not necessary to accept it.