刷卡消费“被分期” 交行“好享贷”遭质疑

　　刷卡消费“被分期” 交行“好享贷”遭质疑

　　在经历了“扫街”、“扫楼”的粗放式竞争后，各大银行开始绞尽脑汁推出吸引人眼球的业务来争夺信用卡用户。例如，在依托信用卡的无抵押信用贷款方面，华夏银行推出了“易达金”，交通银行则设计了“好享贷”。

　　所谓“好享贷”，就是为持卡人在一定时间内调升信用额度，并在发生符合条件的交易后进行自动分期的业务。可以说，这项创新业务满足了部分持卡人的要求。不过，由于银行在推销时说明不到位，一些持卡人办理该业务后刷卡消费遭遇“被分期”，由此引发投诉不断。

　　刷卡遭遇“被分期”

　　近期，一则《交行新推出的“好享贷”业务超级坑爹!》的帖子在天涯论坛引来上万次点击。网友“我中午开始的清醒”在帖子中诉苦说，他7月28日中午接到交行人员电话推销“好享贷”，对方在电话里介绍说“给您增加49000元的额度”、“自动分期，您不需要的话可以取消”、“每月手续费才0.72%”。因为觉得交行的服务还好，而且自己可以上网取消，他就同意开通了。7月30日，他刷了笔4400元的款。8月1日想起“好享贷”的事，他赶紧去取消。没想到，消费当天就被自动分期了，他一点取消，系统显示需支付300多元手续费。“根本没有享受一期服务，竟然手续费全收，也太不讲理了。”网友“我中午开始的清醒”说，当时交行人员并没有告诉他刷卡超过1500元就自动分期。

　　与上述网友同样遭遇“被分期”的持卡人不在少数。网友“shine”说，她也是接到电话时，就随便答应了。现在一笔5000元的消费被分了24期，手续费就要864元，太坑人了。

　　宣传隐瞒遭质疑

　　为什么持卡人会遭遇“被分期”，记者从交行官网了解到，“好享贷”主要以“高额信用额度和便捷服务流程”，提供大宗消费信贷支持。不过，其信贷金额的起点却是1500元(此后增加了3000元供选择)。也就是说，只要刷卡达到1500元，交行便会启动“便捷服务”，将刷卡金额“自动分期”，也就是无需持卡人确认就让用户分期偿还，并交纳相应的手续费。

　　不过，多数交行持卡人表示，交行业务人员在推销时，并未对此明确说明。网友“awen”说，8月份的时候他接到“02138510001”的电话。对方说的内容和上述网友反映的差不多，关键词如“免费、优先、没有利息”之类，说得非常清晰，而“自动分期”这个关键词则被非常快速而且低调的带过。

　　“当时那个客服和我说开通的时候，压根就没有说超过1500元自动转成分期付款。”网友“小猪哥哥”很是气愤。他说，刷卡1500元就自动分期，现在谁买东西会还不起这点钱而要分期成12或者24期?哪怕要分期，也可以选择账单分期或者部分账单分期，3、6、12期可自选的那种。“我每期的信用卡还款都在10000元以上，相关人员也不看我的消费还款记录，我可能就因为这5000多元的消费分期24期吗?”卡友申先生质问道。

　　除了对“被分期”的质疑，交行持卡人还对优先使用“好享贷”额度颇有看法。申先生说，他的信用卡额度已经有5万元了，可是现在只要消费超过1500元就优先占用“好享贷”的额度，那原来的额度干吗用?“其他银行的临时额度都是最后才占用的，持卡人额度不够用可以根据自己的经济状况考虑是不是办理分期，而交行直接就给分期了，剥夺了持卡人的选择权。”申先生说，激活“好享贷”反而把自己困住了。

　　手续费被指太高

　　在交行的宣传中，“不收利息、随时取消”也忽悠了不少持卡人。“上当了，交行骗术太高，愤怒。打电话的时候没说要手续费呀，现在明明可以一笔还清，却只能分期付，多交手续费。”网友“木头”说。

　　有些交行用户表示，当时听说了要收0.72%的手续费，但并不清楚是按月收取。有网友称，“手续费按理就是一次性的，每个月都扣的那叫利息。”

　　记者了解到，目前各银行的信用卡分期付款手续费一般在0.6%左右，交行0.72%。如果按分12期计算，相当于年息8.64%。考虑到本金逐月减少而手续费不变，用户实际支付的利率在15%以上。“利率都快赶上高利贷了。”申先生说，而且交行声称的“随时取消”与提前还款根本不一样，分期取消了，手续费照样全收，这简直就是强制消费。

　　产品推销忌盲目

　　银率网专家在接受记者采访时指出，对于急需贷款做资金周转的人来说，利率较低、无需申请可循环的“好享贷”贷款无疑是“雪中送炭”，可对于没有贷款需求，也不习惯分期付款消费的人来说，手续费是个沉重的负担。

　　为何“好享贷”会引发诸多投诉呢?银率网专家认为，除了银行在推广产品时对产品的介绍不够详尽外，更重要的是，很多消费者根本不是这款产品的适用人群。

　　专家建议，消费者在接到银行介绍新功能或新产品的短信或电话时，一定要问清楚了再开通，如果一时理解不了，最好先别忙尝试;而银行更是要尽到如实详尽告知的义务，不要为了尽快推广新产品就语焉不详，或是将产品推销给根本不适合的用户。“也许一时之间发展了市场占有量，但是消费者吃亏上当后，对银行的好感和信心丧失了，而这本是银行最大的财富，千万不要因小失大。”

Brush calorie of consumption "stage" in the "good at credit" has been questioned

After the "sweeping", "sweep floor" extensive competition, each big bank began to rack one's brains out attractive eye business to compete for credit card users. For instance, in relying on credit card unsecured credit loans, huaxia bank introduced a "esselte gold", bank of communications, design the "good at credit".

The so-called "good at credit", which is the card holder in a certain period, and the upward credit happened qualified after the transaction, automatic time business. Can say, the innovation service to meet the requirements of the part. However, due to the bank during sales does not reach the designated position, some of the cardholder to deal with the business card consumption after encounter "stage", which caused constant complaints.

Credit card encounter "stage"

Recently, a "in the new launch of the" good at credit "business super pit dad!" Post in the BBS draws tens of thousands of clicks. Net friend "I noon the clear" in posts complaint said he received at noon on July and its personnel telemarketing "good at credit", each other on the phone said "give you an increase of 49000 yuan of the line", "automatic installment, you don't need it can cancel", "monthly commission to 0.72%". Because you think in the service is good, and you can cancel on the Internet, he agreed to open. July 30, he brush pen 4400 yuan of money. August 1 of "good at credit", he hurriedly to cancel. Unexpectedly, the consumption will be automatic stage, he is cancelled, the system shows that need to pay 300 yuan fee. "Didn't enjoy a period of service to charge all close, too not reasonable." Net friend "I noon waking" say, at that time in the staff didn't tell him more than $1500 credit card installment automatically.

And the net friend also encounter "stage" the card holder is not a few. Net friend "shine" said, she is also got on the phone, just promised. Now a sum of 5000 yuan of consumption is points and period, fee will be RMB 864, the KengRen too.

Propaganda hide has been questioned

Why the cardholder will encounter "stage", the reporter learned from its website, "good at credit" main "high credit and convenient service process", provide large consumer credit support. However, the starting point of the credit amount is 1500 yuan (then added up to 3000 yuan for choice). That is to say, as long as the credit card reached 1500 yuan, will start in the "convenient service", will charge amount "automatic stage", also is no cardholder confirm let user installment, and pay the relevant charges.

However, most of the said in its business personnel in sales, didn't do anything about it clearly. Net friend "awen" said in August, when he received the call "02138510001". The other party say the content and the net friend reflects about, key words such as "free, priority, no interest" and so on, very clear, and the "automatic stage" the keywords is very fast and low-key take over.

"When the customer service and I said at the opening of the time, there is no says more than 1500 yuan to be automatic into installment." Net friend "pig brother" is very angry. He said, charge 1500 yuan is automatically installment, now who can't afford to buy things will also have a little money and installment into 12 or 24 period? Even if to stage, also can choose bill installment or part of the bill installment, 3, 6, 12 period can customize the sort of. "I issue credit card payments is in 10000 yuan of above, relevant personnel also don't see my consumption repayment record, I might just because this 5000 multivariate consumption stage 24 period?" Card friend Mr. "demanded.

In addition to "stage" the question, the priority in the use of "good at credit" line quite a view. ", says Mr His credit card limit is 50000 yuan, but now as long as the consumption of more than 1500 yuan, you first take "good enjoy loan" line, the original line why? "Other bank's temporary line are finally occupancy, the line is not enough in May, according to their own economic conditions are considered for installment, and its direct give installment, deprived of the cardholder's option." ", says Mr Activation "good at credit" instead of the stuck.

Commission referred to is too high

Being handed in propaganda, "don't accept interest, cancelled at any time" is a cheat many cardholder. "To be, in the deception is too high, anger. Call the didn't say want poundage ah, now could a pay off, but can only pay installment, hand in charge." Net friend "wood".

Some in the user said, was heard to accept the 0.72% of the handling fee, but do not know a monthly charge. Have net friend say, "commission be is one-off, every month buckles of that call interest."

The reporter understands, at present the bank credit card installment payment commission is in commonly 0.6%, 0.72% in. If according to the points and 12 period calculation, which is equivalent to 8.64% annual interest. Considering the principal month by month to reduce and charge the same, users' actual payment of interest rate in more than 15%. "Interest rates are going to catch up with usury." ", says Mr In and says "cancelled at any time" and prepayment don't, the installment is cancelled, so all the charges, it's a compulsory consumption.

Products sell avoid blind

Silver rate net experts when accepting a reporter to interview points out, to need loans do capital turnover people, interest rates low, need not apply for circulating "good at credit" loan is undoubtedly "timely help", but to no loan demand, also not used to payment by installment consumption people, commission is a heavy burden.

Why "good at credit" would lead to many complaints? Silver rate net experts believe that, in addition to the bank in the promotion of products on the introduction of products sufficient outside, more important is, many consumers are not this product for those.

Expert proposal, consumer is in receiving the bank has introduced a new function or new product message or phone, be sure to ask again, if open the understand, you'd better don't busy trying to; And the bank is doing truthfully inform detailed obligations, not in order to promote the new product as soon as possible will not elaborate, or sell the product was not at all suitable for users. "Maybe the development between the market occupancy, but consumer after the meat, the bank's favor and confidence lost, but this is a bank's greatest wealth, don't keep the tail from wagging the dog."

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