1. Call the customer service number on the back of the credit card 4001000000 or 95595 and transfer to manual service

2. Directly ask the customer service to check for you all the installments you have processed from the time you opened the card to the present (no bill details are required) There are so many that you can’t see them.) Some customer service will directly ask you what needs you have, and you directly tell him to reduce the installment fee you apply for (some customer service will tell you that you cannot refund the installment service, so you tell him that you You are responsible for handling it yourself. If you call me to ask me to handle it, I will not approve it.) The customer service will tell you that it will take three to seven working days to respond. Just wait to answer the phone.

Three.95595 call back.

1. Directly tell you how much you can refund and the amount will arrive in your account within 7 to 15 working days.

2. You will be told that you cannot refund, and the specific reason is such-and-such. You just said that you called me at that time to tell me that installment would help increase the amount, and you kept inducing me to apply for installment. In the end, the amount did not change. The installment fee And it’s so high. I’ll take responsibility for what I did myself. What you invited me to do now I won’t take responsibility for. It must be returned to me.

If you can refund after completing the above process, it will take 7 to 15 working days to arrive in your account. If you cannot refund, you can go through the above process again or change the reason and it is up to you, or you can give up.

1. Can the credit card installment fee be recovered?

Once the credit card installment fee is collected, it is non-refundable, which means it cannot be recovered. When applying for a credit card, there is a description of the installment fee in the agreement: if you cancel the installment after applying, the installment fee will not be refunded. The installment fee is implemented in accordance with bank regulations and does not violate the country's regulations.

2. Knowledge about credit card installment fees:

1 Many banks charge a one-time fee. Even if you pay off the balance in advance, the fee will not be refunded. User's.

2 Some banks pay handling fees on a monthly basis. If the loan is repaid in advance, the handling fee will still be charged. However, if some banks repay the loan in advance after the installment, the unincurred handling fee will not be charged.

3 When shopping, the price of installment payment is higher than the usual one-time payment. The higher price is the handling fee. It is recommended that when purchasing such goods that can be paid in installments, it is best to calculate the handling fee first. .

4 Bill installments do not affect personal credit, only failure to repay or missing the last payment date will affect personal credit.