The conclusion is that it has no impact.

It is said that this kind of credit card installment call is usually outsourced, and they have no power to interfere with your use of the card.

In order to earn your handling fee, the credit card installment salesperson can only make up a set of words, which can be summed up as coercion and inducement, the so-called carrot and stick.

1. Let me tell you first: You are a high-quality user. You have good credit after using the card for ** years, and your limit has reached ** million yuan. (This is the first step to let you know that he knows you very well.)

2. Then comes the carrot. A common beginning is: I’m calling, mainly because I want to cooperate with you and accept the bank’s initiative. Invitation for installment is a good credit record. The official limit of your card is *10,000, but many customers can reach **0,000 (implying that you can increase the limit by accepting installments).

3. Da Bang: We received a notice from the headquarters (the tone was suddenly serious) and learned that you have made several large transactions recently. Is it you who made the purchase yourself? This kind of consumption is not helpful. It is recommended that you make more daily small purchases (implying that the customer has cash-out behavior). You paid off the loan in full this time, do you still want to use it in the future (it’s so straightforward).

Some people were confused after this combination of punches, and divided it into 12 periods in a daze.

How to handle this kind of call? There are two situations. If there is no malicious arbitrage behavior, don't be afraid. Just hang up the phone and complain directly to him for harassing customers. What should I do if I really cash out? Don’t be cowardly, you have to understand that if you have been defined as a high-risk customer by the bank, your current installment is of no use, so hang up the phone! What should I do if my card is blocked or my credit limit is reduced if I don’t pay the protection fee? Afraid of a ball! Card friends who don't have a dozen or so cards in their hands, it doesn't matter if they block a few cards. If you frequently cash out and do not want to reduce your balance, it is recommended that you actively apply for installments (pay protection fees).

To sum up, if you don’t need a credit card installment plan, don’t accept installment plans over the phone. If you really need it, it’s better to call or apply on the APP yourself, and you might even be able to get a rate discount.

Attachment: If you have been deceived, you can contact the official customer service in time to cancel the credit card installment. As long as his call is threatening, it is likely to be canceled.