Because the performance appraisal of telemarketers includes effective call duration, invalid calls will be calculated if the single call duration is too low...and so on. The credit card limit may be increased after installment.
Credit card bill installment payment is one type of credit card installment payment. This type of installment payment means that the credit card holder requests the credit card center to return the consumption amount to the bank in installments after using the credit card to swipe the card.
Credit card bill installment payment is the simplest method of installment payment. You only need to call the bank's credit card center or log in to personal online banking to apply between the time the card payment is credited and the due date of repayment. You can pay in installments, and generally you can get approval as long as you don't have a bad personal credit record.
Application
Applications for bill installments can generally be made by calling the customer service center or telephone banking of the card-issuing bank. ICBC cardholders can apply at various ICBC branches, ICBC online banking, telephone banking and mobile phones. To apply for installment payment from a bank, China Merchants Bank can apply through the bank's online banking.
Relevant personnel from China Construction Bank remind cardholders that although various banks have launched bill installment payments, it does not mean that every cardholder can pay in installments through credit cards. Banks generally evaluate the cardholder's credit status based on the cardholder's credit limit, credit history of cardholder purchases, etc.
Only when the evaluation is passed can the cardholder successfully make installment payment; if the evaluation result is not satisfactory, the bank may reject the cardholder's installment application, or may not be able to grant the cardholder the installment payment amount he wants. Cardholders can apply for installment by phone after fully considering their own financial situation.
Extended information:
1. The staff of credit card telemarketing business (referred to as telesales staff) are mostly dispatched by banks or even outsourced staff, and there are few formal employees;
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2. Telemarketing personnel are essentially different from bank customer service personnel, and the nature of their work is completely different;
3. Telemarketing personnel do not have any right to increase or decrease your quota;
4. Any suggestion that not handling the business he promotes will affect the use of the credit card is a serious violation;
5. The credit card limit may be increased after the installment, but the core limit of the increase is The point is not installment;
6. The effective call duration is included in the performance appraisal of telemarketing personnel. If the single call duration is too low, the call will be counted as invalid.
Effective ways to reject these calls:
1. Hang up directly
If you see the call is from the bank, hang up directly to save worry and effort.
2. Pretend to complain
Are you disgusted by the telemarketers’ words? Find a reason and explain why the bank has offended you and is about to file a complaint. By the way, ask him to transfer you to the complaint department (don't worry, he can't transfer you). At this time, he will usually not continue to sell you.
3. Chat with him (not recommended, it’s a waste of time)
If you annoy the telesales staff with chatting, they won’t call you next time. A few years ago, the editor once spent two and a half hours on the second day of the Lunar New Year chatting to tears with a telemarketer who was in a different place and could not go home for the New Year. In the end, he thanked the editor for chatting with her for so long.
4. Call the bank back (treating the symptoms and root cause)
Redirect to the manual customer service to inform you not to call you for any installment sales and other business promotions in the future, and inform you that you will receive such calls again in the future. Complain to the local banking regulatory bureau.
Baidu Encyclopedia - Credit Card Bill Installment
Baidu Encyclopedia - Everbright Bank Credit Card