Joke Collection Website - Joke collection - Bank of Communications reduced my credit line without my consent. Does it infringe on the rights and interests of customers?
Bank of Communications reduced my credit line without my consent. Does it infringe on the rights and interests of customers?
First of all, why did the bank lower your quota?
It is a rule that you should abide by as a cardholder to repay on time and not overdue.
Now big data in the background is very popular, and your personal card is monitored in the background every minute. Credit card cashing, abnormal transactions, and even undisguised integer transactions are directly included in the bank's internal monitoring list. There may be warnings for the first time, and the amount is large, and the frequency is frequently reduced.
Obviously, some of your card habits have been caught by the bank.
Secondly, do banks have the right to reduce the quota?
Of course there is.
First, there are clear terms in the contract.
Second, the credit line is a revolving line of small consumer loans granted to you by the bank. If you use it normally, the bank will not reduce it, but will actively increase your quota or provide other appreciation services without reducing your quota.
Of course, since you have an abnormal transaction, you have to use cash and other means to carry out extracorporeal circulation of funds, which is out of supervision. In order to ensure the safety of your own funds (please note that the funds involved in the credit line belong to the bank, not your personal funds), the bank naturally has the right to take emergency measures. Including but not limited to reducing your credit limit.
In recent years, with the continuous strengthening of bank credit card risk control, many netizens who use credit cards irregularly have been downgraded or banned. Many users are very angry with the bank for unilaterally reducing the credit card limit or sealing the card. Some netizens even think that these banks have reduced their credit card limits without users' permission, infringing on users' rights and interests. But is this really the case?
Let me ask you a question first. What evidence do you have to prove that the credit card limit is yours?
Before answering this question, you must first understand the concept that credit card is different from debit card. A debit card simply means that you recharge your own money, and then you can use it for consumption, transfer and cash withdrawal. How much money can be used in it, but the consumption amount cannot exceed the amount on the bank card. As for how to spend the money, it is entirely your own problem. As long as your income source is legal and reasonable, the bank will not care where you spend your money, and the bank has no right to reduce your quota, let alone increase it.
But credit cards are completely different. To put it bluntly, the bank will give you a loan, and the bank will give you a credit line according to your own qualifications, including your work, bank flow, social security accumulation fund, assets and credit. This credit line is lent to you by the bank, not your own. Therefore, in a sense, the credit card limit is the bank's own money, not your own money. As for how the bank controls the money, it is entirely a bank's problem. The bank can give you a promotion, downgrade, and even seal your credit card.
When banks do these operations, they don't need users' consent at all, because bank users will write it clearly in the relevant agreements when they apply for credit cards. If the user violates the relevant regulations on the use of credit cards, such as cashing out, such as overdue, such as some illegal uses, then the bank can unilaterally terminate the contract and reduce the amount or seal the card for the user.
Therefore, the bank's credit card waiver does not infringe on the rights and interests of customers, which is the bank's own right, because the money is not the user's, but the bank's. If banks feel that the money is risky, they can of course take relevant measures to protect their own funds, and this practice of banks is not only protected by the regulatory authorities, but also by relevant laws and regulations.
And I think there should be an equal relationship between users and banks, which is mainly reflected in the rights and obligations of both parties. After the bank gives the credit line to the user, the user must abide by the relevant obligations of the bank and use the credit card correctly in accordance with the relevant regulations of the bank, and there must be no illegal acts or serious overdue records.
Finally, I want to give you a suggestion. At present, the supervision of credit cards by major banks is still relatively strict. If you violate the rules excessively, it is easy to be banned and lose points. So when using credit cards, you must learn some skills. Don't wait for the bank to seal the card or reduce the amount. This kind of complaint is useless.
Judging from the description of the topic, the author used the Bank of Communications credit card for normal repayment, normal consumption and active installment, but it was still reduced by the Bank of Communications. This is really a stimulus and disrespect to consumers.
Legally speaking, we can sue Bank of Communications, because this is a civil case, and every consumer has the right to appeal, but it is useless to sue. Because the bank's credit card service terms will give the bank a final interpretation right, if Bank of Communications reduces our credit card limit, in fact, we can't win the lawsuit against Bank of Communications in law because we have signed the credit card service document.
In addition, BOCOM has a huge legal team, and these terms are thoroughly studied, so there will be no legal loopholes for our individual cardholders to seize. Therefore, from a legal point of view, we shouldn't argue with Bank of Communications, but it doesn't mean that we can't do anything.
If the Bank of Communications treats our consumers like this, we can complain to the Bank of Communications, such as going to the CBRC or the local branch of the People's Bank of China. If there are many complaints from the same bank, the CBRC will definitely step in and Qi Xinhui will do it together.
I suggest that I can change banks. The credit card of Bank of Communications gave me a bad experience. I have four credit cards, of which only the Bank of Communications is overdue. Why? It's not that I can't repay, because other banks will remind me before the repayment date, and the frequency and intensity of reminders from Bank of Communications are weaker than those from other banks. I feel like I'm overdue. A few months ago, I was owed thousands of dollars. In the end, I had to pay a late payment fee of more than 70 yuan, a penalty interest of 10 yuan, and I was charged, so I basically didn't need the credit card of Bank of Communications from now on, and Bank of Communications earned less.
I just want to laugh it off. The Bank has the final right to interpret the increase or decrease of credit limit. When you apply for a card, there is an agreement in this clause. The bank has the right to suspend your credit card or reduce your credit limit at any time, that is, the bank unconditionally reduces your credit limit. If the bank reduces your credit limit, it may be illegal. Is it illegal for banks not to mention the amount? This reason doesn't make sense Don't say I'll lower your limit and seal your card directly. You can't sue the bank, and it's no use suing. Just like a bank lends you money, but it doesn't lend you money. Do you still sue the bank? Isn't this a big joke? Stop it, okay? It's ridiculous to ask such a question.
Let me take a screenshot of a passage in a bank card agreement. Take a look. It is clearly stated in the agreement that the bank has the right to reduce your credit limit.
The bank has the right to lower the limit according to your credit status.
The credit card of Bank of Communications is the most rubbish. The loan for buying a house was inexplicably mailed to me. I also used it and returned it on time. Later, I was informed that I was suspected of cashing out, and the amount was reduced from 37,000 to 18000. I also returned it. The bank does have the right to reduce my quota, and I also have the right to cancel it. After paying off the remaining 18000 yuan in March, it was cancelled. No more credit cards.
This is the beginning of credit card "reduction and sealing", and the scope of subsequent spread will become larger and larger. Credit cards with cash installment and consumption installment are the key blocking objects. The majority of credit card holders should take precautions in advance and the debt ratio should not be too high. Besides, the debt ratio is so high, just because it's cool for a while, can the rest of the time be good?
Actually, this is a good thing. I think it is an extreme measure for cardholders to look back for a long time to reduce excessive debt (generally, credit card holders who have been downgraded will have other credit cards and loans, and the total debt level is very high in PBOC credit report). If the credit card department of the bank is getting higher and higher, and the management requirements are getting looser and looser, it will be much better to wait until one day you really become a slave and then go back and curse the bank and regret your behavior.
When banks reduce the credit card limit, they usually wait until your bill is paid off after the bill date. At that time, the cardholder's overdraft was not much, and the remaining consumption overdraft was within the remaining quota, and it was all paid off in stages, which was the best time for the bank to reduce the quota. Generally speaking, cardholders don't have many good tricks except resenting the bank and calling to complain. Legally, banks are impeccable, and going to court will only waste your own legal fees.
However, if you hold a special installment credit card, you can really complain that the bank credit card has been reduced or exempted. The minimum requirement is to ask the bank to return the annual fee for such cards, because such cards generally charge a high annual fee. This demand is completely justified and basically can be met. If the bank refuses to accept the credit card, you can complain to the CBRC, and you can complain on the grounds of "over-marketing, careless limit control, and no advance notice".
At present, the credit card centers of various banks are gradually re-examining the cardholder's quota. This is the notification requirement issued by the CIRC in document 1. 20 19 194 June 10. As a result of the retrial, many customers are prepared to reduce the quota, so the real winter has not yet arrived. In the past two months, China Banking and Insurance Regulatory Commission, China has punished dozens of bank credit card centers for violations, with the focus of punishment being excessive credit. Even CCB, China Merchants Bank and ICBC have received tickets.
Because when a bank applies for a credit card line, it can actually see all the credit lines of the applicant on the credit record of the Credit Information Center of the People's Bank of China. Then the new credit line should be the remaining credit line after deducting the credit line from the total amount of its credit model (which is also the risk management process required by the CBRC). However, in order to benefit and issue more credit cards, many times the credit line of the bank is very high, so all the credit cards of the cardholder add up, resulting in high excessive debt. If the income is not enough, it will become a credit card slave of the bank.
Actually, this is a good thing. Sometimes it is difficult for people to overcome and correct their own shortcomings and habits. Now that external forces have cut off this debt source, it can gradually return to normal.
In that case, I have to ask the Bank of Communications. Without my permission, the black gold card given without authorization rose from 48 thousand to 83 thousand! ! ! What should I do?
The credit card limit is not the user's decision, but the initiative is in the hands of the bank.
Reducing the credit card limit is not aimless, there must be a reason. If we can't find out the reason, we can only say that the bank made a mistake, but it didn't infringe on the rights and interests of customers. The worst incident I remember was that CCB reduced the credit card limit of LeTV users to one piece!
Yes, the bank reduced the credit card limit to one. This is not a question of rights and interests. Obviously, it is a problem of looking down on people, but such extreme things are rare.
Under normal circumstances, banks feel that users' high risk or frequent cash withdrawal will reduce the available credit card amount, which was clearly stated in the original card opening contract. Banks have the right to reduce the credit card limit or recycle it. In fact, such examples have also happened in Alipay's flower buds and loan buds. Some people didn't pay back the loan overdue, only to find that the entrance of the loan was closed just after the last installment was paid. They also feel that they didn't provoke anyone and returned the children on time.
If the credit card limit is reduced, you think there is no problem. After a period of normal use, the bank will increase the credit card limit. In order to control risks, banks sometimes just can't do anything. They would rather kill one thousand by mistake than let one go!
Long-term use of credit cards can easily lead people to think that the money in the card is my illusion, and the questioner is such a person.
- Previous article:Tell a joke.
- Next article:The legend of Niangniang Bridge in Xing 'an, Guilin?
- Related articles
- Eat a song for a lifetime, but openly criticize Andy Lau's singing skills. Why are they all aimed at Andy?
- Graduation season topic composition
- The value of No.2 in "Widowed Husband" exceeds that of Yi Song, but the value of Yi Song is actually not as good as that of No.2?
- What do you think of "adults should understand that they would rather get rich silently than show off themselves in high profile"?
- Please help me find a joke.
- Five 600-word articles about smiles
- Who knows where the jokes about dog biting and Lv Dongbin are?
- Reflections on Finding Nemo
- Tell a joke.
- What is the rhetorical device that people always leave?