□ Zhu Xiaochuan Sunday News Morning News reporter Gu Zheng ,
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a reader once wrote a message, tell your credit card payment at the time of the problems encountered. His credit card bill a month for 10 million yuan, the results of his oversight, the amount owed when repayment wrong, still less than 70 yuan. Internet inquiries, and he found that the absence of full repayment, interest incurred 2,000 yuan.
This is the bank the full amount of penalty provisions,
Children suffering from a serious illness of 13 joint where three hospitals (Figure), the Cardholder fails to repay the full amount of the due date, the bank will advance to the full period is calculated from the sum from charge interest from the date of account receivables. So have such a high interest.
the reader to question this: First, the bank whether the provisions of this reasonable? Second, the Bank is doing to the notification obligation? The last day of the repayment date, the bank did not inform the customer does not repay the success message,
new new balance shoes, and consequences, although this message is little effort on the banks. On the contrary, usually cell phones often advertising messages received from the bank. So the reader to call customer service to the Bank expressed their own doubts, customer service was to his response is: 200 yuan for relief, but still he was to take 2,000 in interest.
similar things I have come across, a bill on my credit card debts of 18,000 yuan, while repayment of oversight, few saw a fraction of the results after the expiry of the repayment date One day I received a text message the bank, told me dozens of dollars owed. I call the bank customer service hotline learned, the bank also uses the full penalty of the requirement, which, I express to the customer service,
『给未来老公的一封信』…是女孩子就应该学着点，别临可坐在轿车里哭，也不愿意坐在单车上笑。是男人的转给 所有女人看，看她都能做到吗？ - Qzone日志, I am willing to take less because of his negligence that is also part of the money penalty, but if the full penalty, I think that is unreasonable. Customer service, after listening to my statements, within the competence of their own without having the full penalty for me.
penalty interest on the credit card in full debate, always been there. But some banks charge credit card center, said in an interview, the full penalty is the international practice, the banking sector to guard against credit risk, reduce and contain a malicious overdraft and cash means of risk prevention.
really the case? Zhu Xiaochuan rights version of Harmony Club members would like to say their own ideas.
■ Rights Club Members: Zhu Xiaochuan
Bio: My name is Zhu Xiaochuan, JD, is currently in the CEIBS Lujiazui International Finance Research Institute of the post of research fellow, mainly in financial and legal study. I have rights to financial matters relating to consumer and investors are interested in financial planning is being done and the financial consumer protection, product research, and often with the public security agencies to discuss similar problems. I hope I have learned, director of consumer rights can provide some help on.
overdrafts on credit card processing methods, usually legal from the law, no statutory provisions, is based on the agreement between card issuers and cardholders agreement to determine. In the United States, the amount of its credit card overdraft rate on general there are four, namely, the average daily balance method, adjusted balance method, previous balance method and the double-cycle balance method. These methods are credit card overdraft interest rate is calculated. If the cardholder has not paid the final deadline to pay the minimum amount, then the credit card issuer will usually charge a fixed amount to the cardholder a late payment, overdraft interest rates of application may be increased, but only overdraft refers to the outstanding part, not including the payment section.
2009 year, China's ICBC Peony Credit Card amended statute, only calculate and collect the outstanding amount of overdraft overdraft interest on the part of no interest has been paid. This point has been prevalent in our industry on the cardholders credit card overdraft implement the \Subsequently, the Construction Bank,
new balance outlet, China Merchants Bank and other banks have also launched a \Treatment of these overdraft bank active adjustment is made, rather than the appropriate credit card has changed laws and regulations. But these adjustments are beneficial to the interests of cardholders can be seen as self-adjustment of the credit card industry, constantly,
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In fact, throughout the rule changes in the credit card industry at home and abroad, we find that countries legislation or credit card industry practices in general are moving in the direction of safeguarding the interests of consumers. Then the most developed of the U.S. credit card example, the 2009 launch of the \within the previous billing cycle repeated overdraft interest), limiting charge \random collection of fines and other content, strengthening the legal efforts to protect the interests of cardholders, but also improve the cardholder's weak position.
above facts also shows that, for the partial repayment of the advance paid shall continue to implement \. \Even some in the international practice of such individual, in the time of their introduction, credit card issuers should also respect the spending habits of credit card holders in China and its cultural and institutional environment to choose the point of view, and not prone to waving the \
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