The customer service is talking about persuading you to stage. You are divided into stages, the bank earns interest, and the customer service also has a performance commission. Of course, if your credit card limit is relatively large, and the installment fee is relatively low, and the capital turnover is relatively tight, you can still consider installment. But my situation is that my Huaxia credit card has a limit of 6,543.8+10,000 yuan, which is phased in, and I was reduced by 5,000 yuan during the phased period. I think banks are not authentic.