If you don't agree with the credit card installment, there are only two possibilities. First, the bank staff did not explain clearly, which led to the customer's wrong commitment; Second, the customer's SMS or mobile banking information is manipulated after being mastered by others. This is the customer's reaction to this behavior.
Although banks are financial institutions, they must have their own articles of association and bear the responsibility of chaos.
If bank employees deliberately mislead customers to make wrong behaviors and false promises when telemarketing is staged, then customers can completely solve the problem through complaints.
At present, everyone will receive calls from many banks, packaging insurance or installment into a very cost-effective personal care, which makes customers feel that they have taken a huge advantage. However, finance is a complex thing, and many people can't understand the meaning of all its contents, so they will make wrong statements.
In this case, the customer can complain directly to the bank. If the bank does not handle it, it will complain to the CBRC and reflect the problem step by step. The information recorded by the phone can be retrieved. As a result of communication, banks often cancel the installment business; But remember, banks usually charge fees first, so they should be asked to reduce the fees when canceling the installment, otherwise they will also suffer losses.
If your mobile phone information is manipulated by others, you can also truthfully reflect the situation.
Because banks often send text messages to the parties, they can handle the installment business with a simple reply, or they can handle the installment business with simple operation on mobile banking and WeChat. When someone else has their mobile phone, he can operate it for them.
In this case, the responsibility often lies with the cardholder, who has to bear the consequences himself; However, based on practical problems, we can still reflect the situation to the bank and try to solve it through consultation. Usually, the bank will terminate the installment according to the situation and negotiate a solution.
Of course, if the parties think that others are operating privately and the bank does not cooperate to solve the problem, this situation cannot be solved through litigation. After all, you have no evidence; Only by calling the police can the facts of the whole case be restored.
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In order to generate income, bank salesmen often take the initiative to invite customers to handle staging, so that they can get commission. In this process, some employees deliberately confuse the parties for the benefit, and they have recordings as evidence, so it is still quite difficult to defend their rights.
It is best for cardholders to know more about the situation and then agree to the background operation of bank staff to avoid being cheated.