If you have a credit card, do you often receive calls from your bank asking if you want to apply for credit card installment business? Anyway, I only have a China Merchants Bank credit card in hand, and customer service calls every now and then to invite me to apply for installment. So, why do banks keep calling me to do credit card installments? Reasons why banks always call and invite cardholders to do credit card installments:

1. Credit card installments are profitable. Credit card installment services of various banks, including bill installments, cash installments, car installments, merchant installments, etc., are not free. For interest services, cardholders need to bear a certain rate of handling fees based on the number of installments selected, and the monthly rate is basically between. The bank is not a charity, and it is also a profit-making activity to always call and invite cardholders to make installments.

2. Reduce bank risks. Many people use credit cards to overdraft. When the bill amount comes out, they do not have the ability to repay in full. The bank proactively calls to invite installments, which can prevent cardholders from being overdue and affecting tax collection. letter.

3. Salespeople work hard for personal performance. The bank has dedicated outbound customer service representatives for the installment business. These people have daily performance appraisals, and the greater the volume of business introductions, the higher their commissions. Therefore, daily It is more positive to call cardholders to invite them to do credit card installment.