Understand relevant laws and regulations, negotiate with banks, etc.

1. Before signing a credit card installment repayment agreement, you must carefully read relevant laws and regulations to understand your rights and obligations. If you have any questions about the terms of installment repayment, you can consult a professional lawyer or relevant organization.

2. If the liquidated damages collected are unreasonable or there are violations, you can negotiate with the bank to resolve the matter. You can raise objections to the bank and request reassessment or adjustment of the amount of liquidated damages. If negotiation fails, it can be resolved through legal channels.