2. Ask the customer service staff to help check the total amount of the installment fee, overdue penalty, minimum repayment interest and other expenses of the credit card under his name. At this time, the customer service will ask, ask what these needs are, and directly ask the bank to help reduce the installment fee and interest penalty.

3. Some customer service staff will say that there is no way to get a refund, which is a normal fee. At this time, you can discuss it with her appropriately. The specific statement is that the penalty interest does not know how it came about, the charges are unreasonable, and the handling fee of its own installment is recognized by itself, but the bank calls to deny it and then asks for a refund.