1. Being able to invite you on your own initiative means that you must spend a lot of money and spend it often, otherwise the bank will not take the initiative. This kind of customers do staging, help them complete the task, and earn a lot of fees.

2. If the amount is not small, it means that the risk of installment payment is relatively high, and it is impossible for the bank not to check the applicant's credit record.

Of course, it is impossible to examine credit records so harshly. It doesn't matter if you break the contract several times, as long as you are not a person who often owes money and have enough repayment ability.