In this case, the cardholder first needs to know the nature of the credit card. If his card is an installment card, he can't complain. Secondly, if it is found that the installment is induced by the bank or forced without knowing it, you can negotiate with the bank to cancel and exempt the installment fee.

If the bank disagrees, the customer can complain to the head office or the CBRC. Generally speaking, the bank will not handle the installment by itself, but after the user agrees.

Because installment payment requires installment handling fee, many customers are unwilling to pay extra fees, so they refuse to pay by installment. If the cardholder has sufficient repayment ability, he can repay in full; If there is pressure on repayment, you can consider the minimum repayment amount or installment repayment to avoid the overdue credit card because it has not been repaid, and the consequences are more serious.

In addition, not all users can apply for credit card installment service. If the user's qualification is poor, the credit is poor, and the credit card is often violated and the repayment is overdue, the bank may not agree to installment.