Why does the bank pay your credit card in installments? Mainly these points! I don’t know if you have received any information from your bank when you pay off your credit card, inviting you to spread the bill in installments, and you can get very generous discounts. Many users don’t understand why the bank recommends you to pay in installments with a credit card? So let’s briefly talk about this issue. I hope it can be helpful to everyone. 1. Why did the bank introduce you to credit card installment payment? 1. Worry about your repayment: Generally speaking, if the amount of a user's credit card bill in a certain period is relatively large and exceeds the usual consumption habits, then the bank will worry about whether you can repay it, and whether you can make up for it if it is overdue. For the sake of the safety of their own funds, banks will recommend users to apply for installments. With less repayment pressure, the risks will naturally be reduced, which is a "very cost-effective" for both banks and users. 2. Handling fee: The bank is kind enough to consider you, and naturally wants to get a return, so it will charge an installment handling fee, which is also a good source of income for the bank. 3. Business introduction: For example, the bank will ask you if you need installment, if you agree. It most likely means that you are under great financial pressure or have a large demand for funds. Then the corresponding credit salesperson will contact the user to see if he or she needs to apply for a loan. In this way, the customer can be inadvertently acquired. The above is the answer to "Why did the bank introduce you to credit card installment payment?" Generally speaking, banks mainly consider reducing user risks, earning installment fees, and referral business. Users can decide whether to apply for it based on their own circumstances. After all, regardless of the cost, it is also a good repayment method.