First, the bank's customer service can't stop, and some people agree to make profits.
It's good that one of the bank's customer service phone numbers can handle installment, which means that 99% of customers will refuse installment, but if one of them is one, the bank will make a profit.
For example, the customer spent 10000 yuan. After the bill comes out, the bank customer service calls the customer to repay the loan in installments of 10, and the principal of each installment is 1 0,000 yuan. The bank said that the handling fee for each period is 0.6%, and the interest for each period is 60 yuan: handling fee 10000 * 0.6% = 60, and the principal is decreasing continuously every month. In this way, the bank promoted installment repayment through a phone call, turning interest-free credit cards into interest-bearing micro-loans, thus making money.
Second, the benefits of credit card installment payment
1. It is beneficial to increase the credit card limit. In order to increase the credit card quota for customers, many banks take installment repayment as a reference and change the direction for customers to use installment repayment. Customers who repay in installments are more likely to get cash withdrawal indicators.
2. It is conducive to reducing the repayment pressure. In particular, some moonlight people and young people who have not worked long hours can't save money in their hands, but also want to overspend and enjoy consumption in advance. Installment repayment can make these customers' economic pressure much less.
3. Enjoy bank installment discount. Many banks are offering interest rate concessions for installment payment, which discount interest on the basis of the original interest rate, so that customers are more willing to pay by installment.
Third, the disadvantages of credit card installment payment
1. Too many installments make repayment confusing and easy to forget. There used to be five or six credit cards, or even a dozen, and suddenly there was a long-term installment. In this fast-paced life, it is easy to forget the repayment, resulting in unnecessary overdue.
2. It is to bear certain interest expenses. Originally, staging was to reduce the pressure of expenditure, but each stage had to bear certain expenses, which invisibly increased the economic burden. There is no free lunch!
It's easy to spend money lavishly. Some people will have the mentality of overspending in advance. Anyway, repayment by installments, consumption first, consumption will overspend, and the installment will accumulate more and more, and finally it may not move.
Whether the credit card bill should be phased depends on whether the customer has the ability to repay the consumption amount in one lump sum. When the bank customer service staff calls the customer to repay the loan in installments, it is not how sweet the customer service voice is, but the cardholder. If there is financial pressure, he will installment the credit card bill, and if he has the ability to repay the loan, he will refuse it.