I applied for a bank's credit card, but I didn't expect to receive credit card confirmation calls from five different banks, which was very confusing. After investigation, the reporter learned that this is a bundled promotion set up by the bank credit card salesman to increase his performance, and he applied for credit cards from other banks without the customer's knowledge. According to industry insiders, this kind of sales promotion behavior of staff members has been illegal, and more seriously, the account security and personal reputation of customers have been affected to varying degrees.
"To get a credit card from our bank, you can choose any of these generous gifts." Recently, Ms. Lin was stopped by a shop assistant in a bank. Ms. Lin saw at a glance that the optional gifts were massagers, tea sets and vacuum cleaners. , each value is not less than four or five hundred yuan. Ms. Lin suddenly moved her heart. The salesperson said that as long as the credit card is not activated, there will be no fees and there is no problem of credibility. Ms. Lin need not worry at all. Under the persuasion of the salesman, Ms. Lin immediately filled in detailed personal information on an application form and went home with a massage instrument. A week later, Ms. Lin received a credit card from the bank and checked the information with the customer service according to the requirements of the salesman. In the following days, Ms. Lin received credit card confirmation calls from customer service of other four banks. "I only have one bank card. How come there are four more? Isn't this a' pothole'? " Ms. Lin said that she didn't have a card and asked the other party to turn it off, but the other party said that the staff who handled the card must be found, and the customer service could not go through the formalities. This made Ms. Lin suddenly panic. Ms. Lin immediately contacted the staff who handled the credit card at that time. The other party said that in order to increase performance, the salesmen of five banks decided to bind sales, which was also a helpless move. If they pass the checkpoint at this time, the bank will fine them.
The reporter learned that if customers want to cancel these cards, the procedures are very cumbersome. The only way is to call the customer service of five banks separately, and then cancel one by one.
The salesman's behavior is illegal.
Subsequently, the reporter consulted a bank insider on this issue. He told reporters that card holders are absolutely not allowed to bundle credit cards to increase their performance. Only one card can be processed by filling out a form. Ms. Lin only filled out an application form, but received five credit cards from different banks. This shows that the signatures of the other four forms are not signed by Ms. Lin herself, but by someone, which is not allowed by law.
Customer information was leaked.
According to industry insiders, although Ms. Lin does not need to pay the annual fee when the credit card is not opened, Ms. Lin's personal information has been completely leaked. First of all, Ms. Lin's information may be leaked to the sixth, seventh or even more other banks. If this spreads, Ms. Lin may receive more harassing calls.
Customers will become "black accounts" of banks.
According to industry insiders, what is more serious is that if Ms. Lin's credit card is stolen and used for bank loan business, and she will not repay it for more than six periods, Ms. Lin will become a black account of major banks in the future. At that time, if Ms. Lin wanted to go to the bank to handle business with her ID card, the result was rejected and she could not handle any business.
Customer credit will also be affected.
Finally, insiders say that every bank will have a customer's personal credit information system, which is a symbol of customer's personal credit. Now Ms. Lin has handled five bank credit cards at one time, and all of them will be recorded. If Ms. Lin applies for another bank's credit card, or applies for mortgage, car loan or company establishment in the future, all these will affect the bank's evaluation of Ms. Lin's credibility and affect Ms. Lin's loan business.