Shanghai Pudong Development Bank said that my credit card was abnormal and needed to be re-graded. Do you have any suggestions for installment repayment?

First of all, do you think about the card? Whether there is a phenomenon of over-limit card use (that is, over-limit card swiping); Secondly, if you have the ability to repay in one lump sum, try not to repay in installments, because installment repayment has a "handling fee" far exceeding normal interest! Third, consider whether you are a liar! ! !