This is the routine of banks. Don't believe it. The customer service wants you to go on stage, and he can make a commission. If the bank gives you a low installment rate, you can also try installment. However, if the bank wants to control your credit card and reduce your limit, even if you are in stages, it will reduce your limit. For example, my Huaxia credit card has a limit of100,000, which was phased a few months ago and has recently been reduced by 5,000.