In addition, based on the latest information, the Shanghai Banking and Insurance Regulatory Bureau ordered the China Merchants Bank Credit Card Center to make rectifications, optimize the notification process and content, and ensure customers' full right to know.
CMB credit card customers claim to be insured.
Recently, Teacher Zhao complained on the Black Cat Complaint Platform that he accidentally saw a reminder for credit card repayment from China Merchants Bank and discovered that he had ordered a product called "Repayment Security Premium Edition" a year ago. products, 120 yuan will be deducted every year.
Teacher Zhao said that he had never bought this product. "I don't know how to order it," Teacher Zhao said repeatedly. She didn't know she had ordered the product until she saw the repayment reminder of 120 yuan.
After being deducted 120 yuan for unknown reasons, Ms. Zhao launched a complaint against China Merchants Bank’s credit card on the Black Cat complaint platform. Later, the customer service staff of China Merchants Bank contacted Mr. Zhao and helped him cancel the 120 yuan value-added service fee.
So, what is this "value-added service"? CMB’s credit card customer service stated that the value-added service is the “treasure box” business launched by CMB. It is a paid value-added guarantee service, which mainly includes card use security and repayment security.
It is worth noting that insurance services are insurance rights granted to cardholders by China Merchants Bank Credit Card Center. The applicant is China Merchants Bank Credit Card Center, the insured is the cardholder who has subscribed to the value-added service of premium repayment with peace of mind, and the insurance company is Taiping Property & Casualty Insurance Co., Ltd.
China Merchants Bank’s “value-added services” have been repeatedly complained about.
However, this seemingly "good" value-added service has been repeatedly complained by users.
"There was indeed a manual customer service promoting this value-added service before, but I have clearly rejected it." Teacher Yu accidentally checked the credit card statement and found that there was such a monthly value-added service for 10 yuan.
Why is this service still activated after explicitly rejecting it? Teacher Yu called China Merchants Bank’s credit card customer service with questions.
Complaint: Telemarketing is automatically activated with long-term renewal.
Some China Merchants Bank credit card customers complained. They did receive customer service calls from China Merchants Bank, but the staff evaded the important points when introducing value-added services and did not clearly state that they were paid services; some complainants also said that they had clearly stated their refusal on the phone. , but they still opened the service.
What makes many complainants even more angry is that there is no SMS reminder for this value-added service. Some complainants only discovered it after many years of "automatic renewal".
The Shanghai Banking and Insurance Regulatory Bureau has intervened and ordered rectification.
It is worth noting that the “value-added service fee” was exposed as early as December last year. However, three months have passed, and the "value-added service fee" is still complained by a large number of users.
In addition, the Shanghai Banking and Insurance Regulatory Commission also stated that before the Spring Festival, it had notified the person in charge of Taiping Property & Casualty Insurance Shanghai Branch to talk to the company and required the company to conduct a self-examination. "Next, our bureau will further investigate relevant clues. If relevant companies are found to have violated the law, corresponding regulatory measures will be taken in accordance with the law." Related questions and answers: