1. Automatic installment: Without the cardholder's knowledge, the bank will handle automatic installment business, including setting "automatic installment amount" clause in relevant contracts and treaties, including automatic installment repayment when the total bill reaches more than 30,000 yuan.

2. Interest calculation method: Although the minimum repayment amount can reduce the repayment pressure in the current period, the interest calculation method is not cost-effective, and the cardholder needs to pay high interest, even the repayment part will be calculated.