On January 21, at a Construction Bank branch in Chengdu, Xiaolan, who had just graduated, came here to handle banking business. However, without Xiaolan’s permission and knowledge, the bank’s work The personnel opened various banking services for him that had nothing to do with social security cards, and also opened a credit card for him.

After that, Xiaolan found out that she had been opened a credit card by the bank by accident, and the credit card had been used three times, and there was a balance of three cents. Xiaolan also found the person in charge of the bank to ask about the incident, so she opened a credit card certificate privately, and the bank staff contacted Xiaolan in time. And I am willing to compensate for the three cents owed, and then want to ask for forgiveness.

I am deeply disgusted with the behavior of this bank employee. It is precisely because of the existence of these unruly and knowingly guilty people that people can create ambiguity about a certain group, and his final The behavior and apology are also extremely incomprehensible. It is obvious that he opened a credit card without other people's permission, and also used other people's credit cards to recharge phone bills and other consumption activities, and has not paid back the amount he consumed. There were three cents left. The most puzzling thing was that she wanted to return the three cents to Xiaolan and ask for her forgiveness.

This is clearly insulting, and Xiaolan should not understand her apology. She should report his private behavior to his management, or sue him directly. Handling bank and credit card business privately for oneself without the permission of others. The most disgusting thing is that he uses other people's credit cards to make purchases without their permission.

If Xiaolan had not discovered that her credit card had been opened, the three-cent debt might have always existed, and Xiaolan's credit score would have been affected by the three-cent debt. This is related to Xiaolan's future life. If her credit score drops, it will be difficult for her to move forward in society. Whether traveling or borrowing money.

In this regard, banks should strengthen quality training for staff.

I think banks should pay more attention to the quality training of onboarding staff. These onboarding staff are already familiar with Yimei's rules and entry requirements. But it was precisely because of his personal qualities that he did this series of incomprehensible things.

Banks should add some rules or private authentication information for people to handle banking services.

I think if people want to open banking services, banks should ask customers to provide personal information or facial features, and not allow staff to have full authority to manage other people’s banking services. This will also prevent these people who do not understand the rules and have no morals from opening other people's banking services privately.