Credit cards have now become a must-have for most people's personal consumption. Sometimes, after you have just made a large purchase, you will receive a text message suggesting that you make a single purchase in installments . At first, you may think that the bank is too considerate. However, there may be a customer service call that will suggest you to pay in installments. At this time, you start to get bored, so how to crack it? The editor of Jintou Credit Card will give you a cracking method, see the following example.
Repayment by installments can be interest-free. If you don't make installments, you can increase your credit limit . Don't do it... Listening to the sweet voice of the bank's customer service staff, Mr. Li's answer was simple and a little rude. Because, "The credit card amount is not much, and the bank keeps calling me to make installments. It's annoying," Mr. Li complained.
Staging advice is annoying
Mr. Li said that he had just received a bill from the bank and needed to repay more than 4,000 yuan. "It's more than usual, but there is no problem with repayment." But the bank began to "worry" for Mr. Li. The customer service staff called and suggested Mr. Li to repay in installments. Although Mr. Li said from the beginning that he did not need to repay in installments. However, the customer service staff continued to persuade that the instalment repayment can be interest-free and can also increase the credit limit of Mr. Li's credit card . "It used to say only interest-free, but now we have to increase the credit limit." Mr. Li told reporters that the benefits promised by the bank are increasing.
Mr. Li has used his credit card for many years and has been repaying in full. "In the past, when the repayment amount exceeded 10,000 yuan, the bank did not prompt for instalment repayment." Mr. Li said that since the end of last year, when the repayment amount was 2,000 to 3,000 yuan, the bank called to suggest instalment repayment. "It's more frequent in the past two months. I used to think that the banking service was caring, but now I feel troubled."
Ms. Zhang felt the same way. "I didn't want to answer when I saw the bank's customer service call, but I was worried about something important. But if I answered it, it was still a matter of instalment repayment."
Careful reckoning is not cheap
How does the bank make a profit by offering discounts such as interest-free? The answer is the handling fee. "It's quite a lot. It's not a last resort, so I don't do installment repayment." Mr. Jia said.
"Instalment repayment is really not cheap." A friend who works in a bank revealed that the actual instalment fee rate is higher than the apparent instalment fee rate that people see. "10,000 yuan is repaid in 10 installments, and the bank calculates the handling fee based on 10,000 yuan. But after each installment, the total arrears is decreasing. The last installment is 1,000 yuan, but the bank still The handling fee is based on 10,000 yuan. The handling fee rate is more than 7%, and the actual annualized rate is about 15%." At the same time, there is a large gap between the corresponding rates for different periods of instalment repayment. "If you repay in 3 installments, the handling fee is more than 2% of the repayment amount. In 36 installments, the handling fee will reach 20% of the repayment amount, or even higher." If the credit card owes 10,000 yuan , the handling fee for the 3rd period is more than 200 yuan, and the handling fee for the 36th period is two or three thousand yuan. It should be reminded that repayment early does not mean that you can save the handling fee. "There are only a few banks that waive the remaining handling fee, and most banks will charge the full handling fee."
Seeing the above data, everyone will understand that the above is the fundamental reason why banks really require users to install instalments, because the benefits that instalments bring to banks are very amazing.
Bank customer service staff are too enthusiastic when promoting credit card installment business. Even after the customer explicitly refuses to accept the call, they still call for sales many times. It will bring out various hints, and even threaten customers with credit card deductions and credit smears. Such telemarketing really annoys card users. How to solve it?
If you really don't want to install, what should you do when you get a call like this? Some friends just started to make gentle refusals under the gentle offensive of customer service MM, but they still received calls from different customer service continuously, and later they would refuse harshly or even get angry. Is this the correct way? Maybe most card users don't know that most banks' credit card installments or other types of sales are not done by the customer service of the bank's credit card center , but outsourced to other outsourcing companies to do these rough jobs, because there are task pressure and profit-driven business. , Of course, it is quite hard to push, so it is basically useless if you get angry with them.
The most direct and effective way is to call the credit card service hotline on the back of the credit card by yourself after you apply for a credit card or receive a sales call to transfer to the manual desk. The manual desk is from the bank's internal customer service staff and tells her to block the sales service call. Let’s just say that I occasionally install instalments, but I don’t want to receive such annoying sales calls. When installing installments, I can do it myself through phone banking or online banking. The editor of Jintou Credit Card has personally tested most of the banks, and you can still press your own. Ask to be shielded. If the customer service hesitates or disagrees, you can tell her to repay the card and cancel the card if she receives a similar call again. In this way, the bank can basically give in, and the harassing calls can basically be broken.
Original: https://credit.cngold.org/c/2017-04-13/c4940390.html