No more playing, no more playing, return the money to me! ! ! This bank deceives people invisibly, and if you don't pay attention, thousands or tens of thousands of dollars will be lost. I use my experience to tell you about this most deceptive bank. Please be careful.

Last year, I saw an advertisement for a high-end platinum card on my mobile phone. On a whim, I immediately clicked in to learn about it. From its introduction, I know that this card is indeed noble. The main services are:

1. Free airport VIP lounge access 6 times/year.

2. Free service in the high-speed rail VIP room 4 times a year

3. Free roadside assistance for cars.

4. Free flight delay insurance of up to 2,000 yuan and aviation accident insurance of up to 15 million yuan.

5.10 times Airport parking service, parking service is 1 yuan for 2 hours.

In addition, you can enjoy exclusive SVIP life privileges, save money and worry more.

For example: free golf driving range, free sports and fitness services 36 times a year; hospital appointment registration, full escort service 5 times a year; as low as 50% off 4 Riels Dental cleaning service; nationwide 7*24h private doctor service for 1 yuan; buy one get one free buffet in 40 cities.

So many services of SVIP are indeed as high-end and high-end as its name. I believe anyone will be moved after reading it. If there is no annual fee, why not get one and play with it? After digging deeper, I saw the words - 2,000 annual fees waived for the first year. Okay, the annual fee is waived in the first year, so I can only play for one year. If I call to cancel in the second year, wouldn’t it be free of charge? I was so excited that I filled out the information and submitted the application right away. In less than 2 minutes, I received a message saying that the approval had been successful. Such a high-end metal platinum card is limited to 8888 pieces worldwide, and I am one of them. I am so lucky.

In order to reconfirm that the annual fee is waived in the first year and whether it can continue to be waived in the future, I called customer service to confirm again. It was absolutely true that the annual fee would not be waived in the first year. An annual fee applies. The customer service also repeatedly said that there are only 8888 copies issued in the world and you can actually do it, but the customer service did not mention anything else. Because this thing made me happy all day long, after I came back in the evening, I went to the official website to learn more about each specific rights and interests, and finally discovered this huge pitfall - card production fee.

Which bank still charges card printing fees? It’s basically gone, right? However, this bank charges a high-end card production fee of 3,999 yuan for this card. In other words, you will be exempted from the annual fee of 2,000 yuan in the first year, but this metal credit card will charge a card production fee of 3,999 yuan. What's even more terrible is that the card production fee is actually twice the annual fee. When I learned this, I felt a chill in my back: It’s over, it’s completely over, 3999 is just gone. See if there is anything else that can be remedied? Call customer service immediately to find out. The customer service told me that as long as the card is issued, a card production fee of 3999 is mandatory. Stop playing, stop playing, give me your money back! ! ! I asked customer service if you could cancel this card for me, I don’t want it anymore. The customer service said that a card creation fee will be charged as soon as this card is issued. It is difficult to apply for cancellation of your card after it has been issued. They told me to wait for the old card to be issued with a bill before handling it. After many struggles, the customer service finally canceled it for me, thus avoiding the loss of 3,999 yuan.

At this point, you may not know the name of this card. It is the Yan Series SVIP Platinum Card. As for which bank is here, I don’t want to talk about it. Also remind everyone. When applying for a bank credit card, you must have a detailed understanding of the card's rights and annual exemption policy, so as to avoid the traps set by the bank in advance for you to jump into.

Personally, I think CITIC Bank is the most deceptive credit card!

If you apply for a new China CITIC Bank credit card, you will receive a call soon, asking you to upgrade to a platinum card.

There are so many good rights and interests mentioned. If you believe it and agree to upgrade, then congratulations, you have successfully entered the trap! Because it only upgrades your card to a platinum card, but the limit will basically not change, and it will charge you an annual fee! I have a friend who originally upgraded his card with a credit limit of 10,000 to a platinum card, which has the same credit limit of 10,000 and an additional annual fee of 2,000 per year! What's the point of upgrading your platinum card if your credit limit doesn't increase by one cent? Do you really have to pay an annual fee of 2,000 just to enjoy the benefits of your useless platinum card?

CITIC Bank will definitely reduce your card limit if you use your card carelessly and cash out a few times! Moreover, CITIC Bank can reduce the limit in stages. For example, if your card limit is 30,000, and you pay back 5,000, it will reduce it to 25,000. If you repay it again, it will reduce it again. In many cases, this method will put people on the verge of debt collapse. People's liquidity is completely cut off!

Many people may say that credit cards are meant for consumption, so who told you to cash out! But in this era, it is estimated that the proportion of credit cards used for ordinary consumption does not exceed 20%, and the vast majority of credit cards are used for cash out! Also, you charge the annual fee for the Platinum Card and don’t give the corresponding Platinum Card credit, which is simply a hooligan act!

The risk of credit card itself is very high! It’s just one set after another. There is no biggest, only bigger! There are so many banks that are like a competition, competing with each other to refresh the knowledge of cardholders!

For example, CITIC and Bank of China have both used zero-limit credit cards! First of all, you will definitely be issued a card. The key problem is that there is no limit. If you want to use the card for consumption, you have to deposit money first. It’s called a credit card because you don’t have to deposit money into it! profit! interest! It can only be consumed, but cannot be withdrawn or transferred out. Of course, if you really don’t want to spend money, you can withdraw cash or transfer it out, but handling fees will be deducted.

If you get this kind of card for the first time, you will feel bad and suspect that you have entered a fake bank. Isn’t this just stealing money! Ask customer service if you don’t want to use it anymore, cancel the card! The customer service said, "You have used too little. If you spend more, you will have a quota"!

There are also GF and Ping An, which divide the credit limit for you into several types. For example, GF personal credit limit is 85,000 in total, consumption limit is 21,000, there are also installment quotas, and temporary quotas, and you are invited to participate every month Activities are always said to be interest-free, but they do not mention that there are handling fees. At first it was said that there was no annual fee, but later it was said that if the consumption frequency was not enough, an annual fee would be charged. Ping An deducted the money without telling me, but I was careful, I saw it when I looked at the bill, and called customer service to ask, so I got the money back.

There is also transportation. Now the grace period will be extended for three days after the final payment date, which is considered normal repayment. Once, I signed up on the second day after the extension. Unexpectedly, the second month's bill had an additional interest of more than 800 yuan. I asked the customer service where it came from? He told me that I paid one day late, which is considered overdue, so interest will be charged from the day the card is swiped. I said impossible! I paid it back on the second day of the extension period, and she said, "You paid it via inter-bank transfer. There was a delay. It didn't arrive on the same day. It arrived at night the next day. We require the payment before 17:00 on the third day." He said it was a problem with your bank. When I repay other credit cards across banks, they all arrive at that time. Why is your banking system so poor that it can't arrive at that time? Why can't your bank do what others can do? You don’t look for reasons from yourself and want to get more from your customers? I want to complain! As a result, someone calling himself the manager called to negotiate the next day, saying that he could only refund half of his rights. I said no, I want a full refund. Unless the problem with your own bank is solved, your card will no longer be used. I will also go to the China Banking and Insurance Regulatory Commission to ask if inter-bank transfers can be made on the same day! In the end, they were all refunded!

And Pudong Development Bank, if you are not in the habit of reading bills, you really don’t know that every month they can add a lot of small charges to you, ranging from 5 yuan to 8 yuan. 10 yuan, 20 yuan, the key is to have it every month!

Before you know it, you can deduct hundreds more a year! If you don't look for these charges, the bank will just keep adding them to your bill like a normal person! A while ago, I helped a friend get a full refund of 1,400 yuan! This is just a customer. It is conceivable that Shanghai Pudong Development Bank has millions of cardholders!

The most terrible thing is the derating. The capital chain was already tight, and we could only rely on recycling. As a result, CITIC directly implemented a cliff-like derating, and it was reduced to an avalanche type, and we could finally stop playing the game. . There have been a lot of complaints about CITIC's derating recently, so I won't say more.

Well, this article mentions CITIC twice, and I advise everyone not to apply for a CITIC card. In the end, it will end up putting a curse on customers and lighting up explosives.

The number one drug bank is Guangfa

China Merchants Bank is the worst. When I first applied for a card, the limit was 4,000. After more than a year, I couldn’t raise the limit, so I called the bank. After many times, an agency called me two days later and offered to raise the quota, which required 10 points, and suddenly mentioned 40,000.

It is wrong to always think about free prostitution [laughing][ Smirking]