Is Industrial Bank credible and reliable?

1, Mr. Qiu said on the black cat complaint platform that the salesman of Industrial Bank sold him a loan product with interest. The salesman said on the phone that because he was a high-quality special guest of Industrial Bank and had a good personal credit record, he specially opened a reserve fund of 98,000 yuan for him. If you use this money, the repayment can be divided into 36 installments, each of which is more than 2700, and the interest is more than 800. If you don't use the money, there won't be any expenses.

2. After hanging up the phone, Mr. Qiu received a text message saying that he had successfully handled 36 emergency reserve funds, but at this time he discovered that he had to repay the corresponding principal and interest before using the money. Coincidentally, another consumer handled the "Suixing" business under the promotion of the salesman of Industrial Bank. After receiving the notice of handling fee and sharing the principal, he immediately called Industrial Bank to cancel the reserve fund, but the staff replied that the reserve fund business could not be cancelled, and it could only be terminated ahead of schedule, and it was necessary to pay liquidated damages. The consumer believes that under the condition of unclear rights and obligations, the contract handled violates the provisions of the Contract Law and the Banking Supervision and Administration Law, which is a typical consumer fraud.

3. Why do you need to repay the principal and interest without using the loan? Is the consumer complaint true? Ai Caijing sent an interview letter to Industrial Bank on the above issues. As of press time, no reply was received from the other party. Official website introduced that the accompanying powder consumption reserve is an exclusive installment quota based on the original credit line of customers, with a maximum of 300,000 yuan. After handling the reserve fund for the consumption of Suixing Branch, the cardholder can directly use the credit card to make a large amount of credit card consumption, and repay it in monthly installments, with a maximum of 36 installments.

4. official website Industrial Bank also disclosed the business terms and detailed rules of the consumption reserve fund of Suixing Sub-branch. According to its introduction, regardless of whether the reserve fund is used or not, under normal circumstances, the handling fee will be charged according to the amount of successful transactions. In addition, starting from 202 1 1 1, if the service fee of consumer provident fund is charged by stages, Industrial Bank will be exempted from the installment fee of the remaining unpaid period, and will collect the liquidated damages for early repayment according to 3% of the remaining unpaid principal.

5. The Industrial Bank credit card holder agrees to handle the petty cash business of Industrial Bank credit card, which means that he has read and agreed to abide by these terms. However, judging from consumer complaints, a considerable number of users do not know the above terms when handling business.