What malicious marketing tactics have you encountered from merchants?

What malicious marketing tactics have you encountered from merchants?

One year, a teller from a small bank came to our unit to set up a stage, put up a banner, and applied for credit cards to give gifts. They have been promoting it for dozens of days, and many people have applied for credit cards under their deception. They also kept their promise and gave each person a gift, worth about one or two hundred yuan.

After a month or two, many people fell into the trap.

According to a friend, he applied for a credit card, but it was actually of no use. One day I received a call from the bank. The waiter Jiao Didi said enthusiastically that he was a distinguished and high-quality customer of the bank. Now the bank is holding an event and there is a certain amount of money that can be used without interest. The number of places is limited, so sign up quickly. My friend said, I haven’t used large amounts of cash recently. I will contact you when I use it in the future. People say that the opportunity is rare. There is no such store after passing this village. It is best to accept it. There is no interest anyway. It is very convenient to put it on the card and use it at any time. Friends can't help but cheat. Since it doesn't require interest, just put it on the card. As a result, I received a text message a few minutes later, saying that about 40,000 to 50,000 yuan of such-and-such money had actually been credited to the card.

My friend talked about this matter with other people at work. Some people were wondering. Tens of thousands of dollars were paid without interest. Could it be that bankers are stupid and have too much money? Some people say that banks will never engage in loss-making transactions and will never provide tens of thousands of yuan in funds without any cost.

Later, everyone searched the Internet and found that this certain money was basically a malicious marketing scam. It is true that there is no interest, but they have a handling fee calculated based on the amount and date. If you convert it, it is roughly equivalent to 14-18 years of annual interest. Therefore, the waiter said that it would be put on the card without interest and could be used as you wish. The price would be a so-called handling fee of seven to eight thousand yuan. And they also stipulated that the rate for this fund is the same whether it is used for one day or for one year. Even if it is received today and returned tomorrow, a so-called service fee of seven to eight thousand yuan will still be paid.

So, be extra careful when encountering activities that offer gifts for no reason. After all, no one can give away a gift of one or two hundred to a customer without any value.