|
|
CNR Network Beijing May 7, according to Voice of China "news evening peak," reported recently, the state social credit system construction plan has been submitted to the State Council. China will build a unified platform brings together financial, business registration, tax payment,http://211.86.128.2/gjjl/Review.asp?NewsID=595, social security contributions, traffic violations and other credit information, sharing of resources. Citizens appear in any one area a bad credit record, it may lead in other areas can not handle related affairs,air jordan pas cher, and even unable to move.
Such a message has been extensive hot, but Beijing's Guo may not be happy,louboutin uomo, because his credit card stolen brush,http://www.gdmmh.com/forum.php?mod=viewthread&tid=279017, the central bank's credit system has a bad record. Last February, he had traveled to Thailand, found during his Minsheng Bank Credit Card lost.
Guo: When 18 February 2013, I traveled to Thailand, a platinum credit card issued by the Minsheng Bank lost, found missing on the day immediately report the loss to domestic banks Minsheng phone report the loss,http://wytxb.com/forum.php?mod=viewthread&tid=909171&fromuid=3475, report the loss, the bank is back to My message is to confirm the final sum after my consumption, excess consumption was not found.
Hear bank staff said that although the credit card is lost, but not a loss, he had to calm down, who knows, after returning home for the formal loss reporting procedures, but found it was from his Cary brush away more than 6500 US dollars.
Guo: This time found that the additional spending totaling $ 6,579.08 5 pen on the account, which was then report the loss did not occur in time, after the discovery of such a consumer of it, I was in Minsheng Bank Credit Card Center to handle the corresponding statement of these consumption I authorize the recording not happen, so some of the procedures.
After that waiting period,http://gamsa.net/guestbook/index.php?item/create_form/1, the Minsheng Bank replied that the investigation proved that consumption records are not Wubi Guo committed, but no other progress.
Guo: to around October 2013,hogan outlet, because I have daily consumer finance, credit cards need to do, I apply in Minsheng Bank, was rejected, and then I go to other banks for credit cards, was also rejected, I asked them why, they told me there is one of my bad record at the central bank's credit system.
Guo to central bank credit system inquiry found poor record is overdue controversial 5Pen fraudulent consumption. Guo believes that according to the rules of VISA zero risk, should not bear these fraudulent spending obligations for banks in case he did not tell the results of disputed payments, bad records based on fraudulent consumer credit system to make the violation of their The reputation and the right to know.
So, I had to court,http://www.midasuser.cn/upload/forum.php?mod=viewthread&tid=2170761, requesting an order bank cancels bad credit record system, and issue a written proof,http://www.famousfor5.com/ff5forum/viewtopic.php?pid=825803#p825803, written apology. But the bank believes, resulting in poor recording process, the bank there is no fault.
Bank: VISA zero risk, at least on the official website of the propaganda content is incomplete,http://bbs.smnet.com.cn/home.php?mod=spacecp&ac=blog&blogid=, and VISA acquirer rules which registered zero risk is not the same,hogan outlet online, zero-risk register is conditional. The plaintiff said, lost fraudulent card does not bear this question of money,http://www.99teacher.com/home.php?mod=spacecp&ac=blog&blogid=, I do think there is an explanation, because the card itself is a financial payment tool that there is a monetary value, then lost to others created such a condition, how can we not assume such responsibility?
The case the Court did not in court for sentencing. Many people worry that once the credit card stolen brush, and the bank generates payment dispute will be blacklisted? Citizens promptly correct the error, and personal credit will not be affected? Vice president of the China Consumer Association, Business Law Institute of Renmin University of China Professor Liu Junhai gives his advice.
Judicial Conciliation: we must see reason and the consumer's own fault, but also to see the bank's own fault, because banks and consumers as the main aspects of the relationship between consumer finance conflict, it has enough human and material resources to remind consumption who timely debt service, and warned him that if you do not timely debt service, your name will appear on the blacklist,tiffany milano, if they have such a notification procedure, supervise the program, I think a lot of consumers do not have to Because unintentional mistakes which led subjective name on the blacklist should be enough for five years.
(Original title: credit card theft brush Minsheng Bank credit crunch encounter: lost card should bear responsibility for their own) |
|
發表於 2015-6-16 11:12:07
收藏