1, call the customer service hotline and switch to labor.

2. Ask the customer service staff to help you check the total amount of installment fees, overdue liquidated damages, minimum repayment interest and other expenses incurred by the credit card under your name. At this time, the customer service will ask, what are the needs of these, and directly say that you want the bank to help you reduce the installment fee and interest penalty.

3. Some customer service staff will say that there is no way to get a refund. These are all normal expenses. You can reason with her appropriately. The specific statement is that the penalty interest does not know how to generate and the charge is unreasonable. I recognized the installment fee myself, but the bank called to deny it and asked for a refund.