Credit cards are becoming more and more popular nowadays. In order to attract customers and keep them, major banks have come up with various ways to lure consumers, such as giving gifts with cards, earning multiple points and exempting annual fees. However, Xiaocai found that although these gimmicks look good, there are actually various "traps" hidden in the world. Don't just look at the surface and blindly open the card.

tempting to open a card with a gift but limiting it to two years

It was reported recently that Miss Zeng, a credit card user of a bank, applied for a general card. Miss Zeng said that when she applied for a card, the staff of the bank declared that "1, points can be exchanged for gifts within three months". After opening the card, Miss Zeng spent more than RMB 1, on swiping the card within the specified time, that is, she got 1, points, and used these points to get a set of pots and pans as she wished.

after receiving the gift, Ms. Zeng intends to cancel the card, but the bank told Ms. Zeng that she could not cancel the card within two years after receiving the card opening gift, or she would be charged a gift fee of several hundred yuan.

Xiaocai understands that in order to attract users, one way that credit card marketing teams of many banks generally adopt at present is to "seduce" consumers with gifts.

In the streets of first-tier cities, bank employees can be seen from time to time setting up stalls to sell credit cards. Some petty netizens reported that some bank credit card salesmen said that they hoped that users could help fill out a form without opening the card, or just wait for a gift to sell the card.

Xiaocai tip: there is no need to apply for a credit card for a gift.

Some bank undertakers said that from the bank's point of view, a regulation of "no card cancellation within two years" can be formulated, but the user must inform the opposite party when opening the card and obtain the consent of the opposite party.

From the point of view of consumers, it is advised not to apply for cards for so-called small gifts. "Just for a set of pots and pans, getting a card and maybe revealing personal information." The undertaker said that bank sales staff should also improve their quality and not use gifts to lure consumers to open cards.

in addition, there are some problems with the quality of gifts provided by banks. Zhao Nvshi told Xiaocai that the cup she had received for a credit card at a bank had rusted after being used twice.