Bank customer service calls for credit card installment bill. Will the direct rejection of credit cards be reduced?

No, but the popularization of law is really uncertain.

Most bank billing installment calls are outsourced to professional companies, and they have no right to reduce the limit of your credit card. In fact, you don't have to be too polite to receive this installment call. Hang up directly or do not need to hang up.

But what Lao Wang wants to emphasize here is not to be upset or unhappy because of receiving an extension call. Being able to receive an extension call means that your credit card is not bad, which is in line with the bank's installment policy. At present, many banks simply don't allow customers to handle installment payment for people who don't use their cards well.

So maybe everyone will feel better when they answer the phone. There are two ways to promote installment sales. One way is to tell the installment fee rate is favorable, which is true. Some customer service rates are also relatively low, such as 0.39% or 0.5 1%. Another way is that your credit card consumption is not very good, and the credit card machine focuses on large consumption or individual merchants. This is a lie, which gives you a certain psychological pressure and makes you have to go through the stage and pay the protection fee.

The only exception is that Pufa sometimes really reduces your quota, but this kind of phone usually starts with 955 and has no area code.

Thank you for your invitation. I have worked in a bank for many years. Let me answer this question briefly!

You think a little too much. Directly determining the installment of credit card bills will not affect your credit card use, nor will it reduce your limit.

In fact, in order to earn more profits, it is a common marketing method for banks to ask for credit card installment bills by phone. You can treat the installment bill as a product. If you can sell another product to you when you have already used the credit card product, will the profit you create for the bank increase? If you refuse directly, the bank has no loss. How can banks reduce the number of credit card products that have been issued and lose the profits of the original products?

Above!

Simply answering this question will not decrease. But the specific situation should be analyzed in detail, which can be divided into the following categories according to the characteristics of banks:

1. Four major postal savings banks, industry and commerce, agriculture, China, construction and postal savings. This is five of the six state-owned banks. Generally, these five banks will not call you for installment. At most, they just send you text messages in installments. Ignoring them completely, the staging of these banks has little effect on cash withdrawal. I just don't like your little money on installment.

2. Communications, Shanghai Pudong Development Bank, China Everbright Bank, CITIC Bank, Guangfa Bank and Ping An Bank are popular commercial banks. I also like to call for staging. In particular, Everbright and Guangfa basically play every month, but they can be ignored. Bill installment is the main source of bank credit card profits, and customer service makes bill installment successful through business commission, so it is more active. If the card is used too much, the status of the card is basically a pie in the sky, or the machine that swipes the card jumps seriously. It is still necessary to stage it occasionally to make banks make money, and they will turn a blind eye.

There are two relatively stingy banks, Shanghai Pudong Development Bank, which may often reduce the quota without staging. Bank of Communications has strict risk control, and it is normal to reduce the quota and seal the card.

3. Merchants, Societe Generale, Huaxia and People's Livelihood, these banks seldom call for installment. However, it is necessary to apply a reasonable force. As long as I call you, your risk control level is relatively high. Proper division is beneficial to physical and mental health.

Fiona Fang cannot be established without rules, and banks must have their own rules. Reasonable use of bank rules, using bank money and making money for yourself is the right way to use cards.

The bank will not lower the limit because the cardholder has not handled the installment, no matter whether you refuse politely or decisively.

In order to market credit cards, banks are actually very hard. When there is no credit card, the bank will invite you to apply for a card and even take the initiative to sell it at home; With a credit card, banks still want cardholders to use it more, and it is best not to leave the card idle.

There are many ways for banks to market credit cards, such as sending text messages, introducing the products and benefits of credit card installment through official WeChat, and as the subject said, customer service directly calls to ask if it is necessary to installment.

Some banks directly send messages to tell cardholders when it is most appropriate to spend money in the future, so that cardholders don't settle accounts and tell the answer directly.

Either way, the purpose is to make cardholders use their cards more. If the cardholder doesn't actually need to use the card, there is no need to spend money or pay by installment. These are not conditions for the reduction, nor will they lead to the consequences of the reduction. As long as the card is used in a reasonable and compliant manner within the normal card use range, there is no reason for banks to reduce the card quota.

If you refuse to call, the bank will turn against you and reduce the quota. If the cardholder's quota is low, it is even more impossible to spend in installments. It would be better to be on the stage. It is also my duty not to be on the stage, and the bank will not be picky.

I focus on sharing financial content related to banks and close to life. Welcome to pay attention to Bowen Microfinance!

Bank customer service calls for credit card installment bill. Will the direct rejection of credit cards be reduced? Since you have a credit card, you often spend a lot of money, and it didn't take long for the bank customer service phone to arrive: Mr. XX, you recently spent a sum of XXXXX, and we will provide you with interest-free installment. Do you need it?

I basically live within my means. Since I have spent, I naturally have the ability to repay, and I don't think my existing financial management method can be higher than the interest rate of bank credit card installment, so I categorically refuse the installment requirements of these bank customer service!

Will it be reduced after being rejected? I'm not sure about other banks, because I only have one wide card at hand, and the credit cards of other banks are basically gone. At present, the amount of my GDB card has increased from the initial 37,000 to more than100,000 (the initial amount of GDB card is relatively high), and the amount has never been reduced or divided into stages.

So I don't think rejecting the installment request put forward by bank customer service will reduce your credit card limit. It is important that you don't break the rules!

First of all, without staging, there will be no reduction. Making installment bills is a means for banks to make profits. Some banks outsource to a third party, and the third party asks cardholders to do staging. Some people threatened to reduce the amount of cardholders who used their cards badly if they didn't use them in installments. Those people are not regular bank staff, but third parties. If you want to know how to do it by stages, TAs will get the corresponding commission, and some are bank staff.

People who often cash out and have a high debt ratio are very afraid of the sudden call from the bank to tell you to reduce the amount by stages, and they are afraid of reducing the amount by stages. They are all ghosts in their hearts, afraid to listen to customer service to scare you on the phone.

You are not afraid to use the card normally, and there is no certain reason to say that you can raise the amount by stages. Some people don't need to increase the quota in stages at all. The increase in the quota has a lot to do with your personal qualifications.

However, if your card is worn out, you have high debts and no funds, it is recommended to pay protection fees! It's staged.

I'm Ceng Peng, focusing on (credit card loans). Welcome to pay attention to exchange and study!

Say the conclusion first-of course not.

Bank marketing installment business is only to increase income, but also to reduce the repayment pressure of repayment.

Having a perfect installment repayment record will help to further gain the trust of banks and improve their credit line.

But even if you don't choose staging. As long as you can repay on time. There will be no other impact.

In a word-it doesn't matter whether it is divided into stages or not, and repayment on time is king.

As an insider who has worked in a bank for many years, I can tell you responsibly that I won't.

Here, I will give you a comprehensive understanding of the bank credit card installment business.

First of all, that's not bank customer service. We usually get installment calls from banks. Although most of the call numbers show the customer service hotlines of various banks, they are actually not the customer service staff of banks.

Most of these bank employees who promote installment are from the sales team outsourced by the bank and are responsible for promoting credit card installment business. They are not bank customer service staff at all, and most of them are not even formal employees of banks.

In order to complete the performance of installment sales, these salespeople often "invite" us to handle installment sales under the banner of "bank customer service".

Secondly, their authority is limited. I believe that when you receive these installment sales calls, you will often be told that "installment can increase the degree of cooperation with banks", "increase the activity of cards" and "improve the internal rating of banks". To tell you clearly, in the bank credit card system, there is no scoring, activity, increased cooperation, etc. , just words.

There are also some radical ones who will tell us that "not handling the installment may affect the normal use of the card in the future", "illegal use of the card has been detected by the system" and even directly threaten us. "It has been found that the current behavior needs to be divided into stages, otherwise the card will be blocked and the amount will be reduced" and so on.

Don't worry, these salespeople use the bank credit card installment sales system. They can't see our personal information, our transaction details, or even the bank's risk control core system. In other words, they know nothing and can only "fool" us through a small amount of information. Of course, even if you can't see it, don't say you have any authority, such as raising the quota, lowering the quota, sealing the card and so on. , has nothing to do with these salespeople.

Why do you call frequently to sell in installments? You know, installment fee income is one of the important components of bank credit card profits. For a credit card installment product with a monthly interest rate of 0.6%, the actual interest rate after converting into annual interest rate is about 14%, which is only a one-year installment.

For the installment sales staff of these banks, the performance pressure is also enormous, and they can only repeatedly sell points through telephone sales. Sometimes a bank's credit card will receive several calls to promote installment in a billing cycle.

Is it related to whether the credit card is downgraded or not? The actual reason why the credit card is downgraded is because of our bad habit of using the card and our credit evaluation, which triggered the red line of risk control of bank credit cards. This is a long-term accumulation process and the result of a comprehensive evaluation, and it will not be downgraded because of one or two bad behaviors. This is why some people around us have bad credit cards for a long time and have not been downgraded, and some people have been downgraded soon.

Indeed, if you can accurately predict that your credit card will be reduced in the short term in the future, you can reduce the pressure on monthly payment at this time, but you can't avoid the fate of reduction.

Suppose we had a premonition that our credit card of 1 1,000 yuan would be reduced to 0 yuan, and we handled the installment in advance. The amount has just been reduced in stages. At this time, we still have to repay the monthly payment according to the regulations, but the returned principal cannot be reflected in the amount.

Therefore, whether to apply for installment or not is not directly related to whether the credit card will be downgraded. If the overall credit is not good, it will trigger the bottom line of risk control, and the downgrade will still be downgraded.

Since the credit card installment business exists, it is reasonable to handle it. Objectively speaking, some banks' credit card installment business is still very suitable. Not only is the rate very low, but you can also participate in related staging activities at the same time, such as giving away card coupons, lucky draws, and giving away in kind. And they can "make a profit" without handling fees. Why not?

Of course, in addition to those friends who really need installment and have to reduce the repayment pressure by installment, friends who often use credit cards can also compare their credit card fees with installment fees. If the installment interest rate is almost even lower, they can also choose to repay by installment.

In short, we must deal with staging according to our own needs, and don't be "fooled and intimidated" by sales staff.

Personally, because of the large number of cards, I get 30 calls every month instead of 50. I will also choose to handle some stages with appropriate rates and activities. In addition, I will also value the words of these salespeople. If they are sincere, I am willing to deal with it, but if you play tricks with me, you will be embarrassed and just do it.

Don't!

1. First of all, you should understand that as long as your credit card is used legally and in compliance, your credit card limit will only increase, not decrease.

2. Secondly, there are many departments under the credit card center, such as customer service department, credit department, insurance department ... We call the customer service department by credit card, and the customer service department can't take the initiative to contact consumers. Other departments, which you can also understand as the profit-making departments of banks, will call credit card customers to promote installment and insurance. The purpose is very clear, that is, I hope you can handle business in the credit card center to get profits such as service fees.

If you hang up or reject this call directly, it will not affect the credit score and limit of your credit card. Because they are essentially sold to you, it is an equal relationship, and consumers have the right to refuse directly. There is no relationship between the consumer and the credit card center, just a promotion for you, which happens to be a subordinate department of the credit card center.

3. However, because the bank will comprehensively evaluate the credit of consumers to determine the size of the quota, it will also decide whether to increase the quota and increase the quota according to the user's usage habits during use. If consumers use the installment service provided by bank credit cards, bank big data will judge that you are a stable and trustworthy customer, which will also help their own quota.

I often meet customer service calls and text messages from banks asking me to pay in installments, but I pay in full 10 days in advance for each installment. When I need to spend a lot of money, I tried to apply for a temporary double increase with mobile banking, and I succeeded twice. Others say that you can't swipe an integer when swiping a card. There is no such thing.