Credit card unspoken rules: do not activate it easy to do card annual fee card pin hard to charge more than the amount of "cost overrun" interest-free installment is not free.

June last year, a bank staff-to-door "selling" credit card, apply for a credit card Yao Juan. Because demand does not use, Yao Juan has not opened this credit card.

however, that Yao Juan surprised that, six months after the bank sent a message urging her to pay the annual fee plus late fees totaling 382.88 yuan. Credit card obviously did not open, what the coming year cost of that? Although very angry, but taking into account the individual's credibility, Yao Juan or pay a this "money wasted."

credit card annual fee has not opened

"Sister, free to do credit card, also presented a gift ......" Yao Juan said in June last year, two staff members of a bank's corporate office to "sell" credit card, As long as there is a gift card to do both hands. Faced with both enthusiasm offensive, Yao Juan was signed on the application to do a card. Later, Yao Juan received a credit card, and readily put her purse, did not open. To her surprise, several months later, she received a reminder bank annual fee notice. Obviously did not open the card, how there will be an annual fee? Yao Juan called the bank customer service hotline. The other said, Yao Juan was last July 23 opened a credit card and her card or Gold, an annual fee of 300 yuan, the annual fee plus late fees totaling 382.88 yuan.

"I do not even know how credit card password to open the card?" Yao asked Juan Bank. Bank customer service hotline, said Yao Juan took the card do reserve the landline to make calls opened a credit card, and recording as evidence. Yao Juan immediately allow each other to produce the recording, but was rejected. Let Yao Juan more surprised that she even opened a credit card in the last July 23, and that the annual fee should be produced only in this year July 23, less than a year how there annual fees and late fees it? Worry not pay, personal credibility is affected, after loans are in trouble. March 6, Yao Juan went to the bank to pay the credit card annual fee of 382.88 yuan and late fees. Full payment fees, Yaojuan Li that is written off this credit card. After

Chengdu Chinese Commercial News reporters Zhi Dian and Yao Juansuo credit card bank office, customer service staff, said the bank surely there is a $ 300 annual fee for the Gold Card, the card's annual fee is counted from the date of the nuclear card, nuclear Day card annual fee for two months, but as long as two months, credit card spending any amount can be exempt from the annual fee, annual credit card 8 times the amount of consumption can be exempt from any second annual fee. At the same time, the person said, the premise is the annual fee cardholders activate the credit card.

banks customer service: Do not enable the opening of a credit card no annual fee

Chengdu Commercial News reporters learned that ordinary credit card annual fee usually around $ 100, Gold is between 200 to 300 yuan. Most of these credit card fees can be exempted for the first year, after the annual fee prescribed by the bank to meet credit card number or amount to achieve relief. Banks customer service staff said, do not enable the opening of a credit card will not have an annual fee, it is impossible in the case of the customer does not know the automatic opening of a credit card.

relevant provisions

January 13 this year, China Banking Regulatory Commission issued "commercial bank credit card business regulatory measures" provides credit card issuing bank shall establish procedures to activate, before activating the credit card holder should identity verification information. Recipients must not be activated contract (agreement) without the applicant signature confirmation, without the activation process to confirm the identity of the cardholder's credit card. On emerging credit card, report the loss of card replacement, damage changing the card, changing the card and other post-maturity must be activated in order to use the opening of the cardholder. Credit card without the cardholder to activate and use may not deduct any fees. Credit card without the cardholder to activate and use, shall not issue any gift or gift certificates.

easy to do card pin card hard

"really sorry to do this card, and now can not afford to sell the pins!" Yesterday afternoon, Zhou (a pseudonym) about his experience. Three years ago, some students help sell a bank credit card, saying that they do not affect the opening of nothing. So he handled one. Who knows, after a year, Zhou received a single bank's outstanding loans, 30 yuan of money.

Zhou recalled, when he called the bank's customer service phone and was told that the credit card is automatically opened and services, brush three times a year, could be dispensed with an annual fee, but must first annual fee owed also to the use. Zhou also to the bank of the "owed" the annual fee, the card and want to immediately write-off. But the staff has said that Zhou did not open a credit card, a credit card if you want to log out, it must be possible after the opening. "Not to say before it is automatically opened yet?" Zhou had opened a credit card. When he again raised the cancellation, the other told him, stuck in the opening of the year and after the cancellation of credit card spending three times before. So far, none of his credit card cancellation.

Li Hong (a pseudonym) said that more than a year ago, she can not withstand the marketing staff of a bank, apply for a credit card. Previously, she has been handled in another bank's credit card, in order to save the annual fee, Hong Li will want to do this new credit card cancellation. When she called the bank customer service calls, he was told that the card has a balance can not pin card. Customer service, said credit card cancellation card account must be zero, can not have debt, it can not have balance. So far, she has not written off the credit card.

banks write off credit card balances have

Chengdu Chinese Commercial News reporters Zhi Dianduo and Jia Yinxing understand that there are a number of banks can be written off credit card balances. A number of banks have suggested the consumer credit card balances and then log off or remove the card, as consumers will balance transfers or removed, and this process, the bank will receive the appropriate fee under the circumstances. Bank of Communications said that cardholders can take 45 days to counter my ID card and a credit card balance will be removed after a pin card, no charge during this period.

relevant provisions

"commercial bank credit card business regulatory measures" provides credit card issuing bank shall cancel the account services, credit card account after confirming no outstanding payments in time for the cardholder to cancel the account. Credit card cancellation, the balance of purchasing card merchant account should the unit back to its corresponding settlement account.

amount brush to charge more "cost overrun" hire-purchase interest-free is not free

Xu Hao (a pseudonym) Zhang credit line amounting to 3 million credit cards last December, his credit card to purchase furniture, appliances, but did not pay attention to whether the excess. Later, he received the bank statements, see the bill for a sum of 60 yuan, "overrun charges." Xu Hao after consulting the bank customer service that exceeds the credit card overdraft limit, the card can continue, but the brush amount to pay "overrun charges."

shopping credit card installments, interest-free is not free. Last year, Wang Wei (pseudonym) with a credit card installment in a electronics store spent 5,000 yuan to buy a laptop. Staff said, is interest-free installments. When he queries credit card statements when they noticed that the extra 100 yuan fee. Upon inquiry, he learned that installment banks to charge a fee.

ICBC, Bank, China Merchants Bank, built row represents the cardholder can not exceed the amount of credit card, but the ICBC, Bank indicates other than the cardholder exceeds the spending limit, fee for various reasons to be charged overrun charges. For example, some banks exceeded the amount of the overrun will be charged fees, over-limit fees exceed 5% fee will be charged a minimum $ 1, up to the upper limit of different banks are different. ICBC limit is $ 500, that is overrun charges up to $ 500, Bank did not set limit. Bank of China's credit card may over-use, over-limit fees charged to exceed 5% of the portion of the minimum 10 yuan.

relevant provisions

"commercial bank credit card business regulatory measures" provides that a credit card without the cardholder application and opened super line of credit card services, in any form deduct the cost overrun. Cardholders can be used orally (customer service telephone recording), the way electronic, paper or cancel the opening super line of credit card service. The issuing bank for the cardholder must be opened before the super line of credit card services, provide information about overrun charges and fees in the form of calculation, and clearly inform the cardholder has canceled super line of credit card service rights. After issuing banks to charge fees overrun, overrun charges should be clearly set out the amount of the corresponding period in the bill on the bill.