For example, some consumers reported that they paid 40,000 yuan in one lump sum at 22:05 the day before the deadline of bank credit card repayment, but then mistakenly paid by installment at 23:39, and the bank regarded it as installment payment and charged the consumer a handling fee.
In this regard, the lawyer pointed out: first of all, we must check the installment payment link, and whether the bank gives consumers clear and obvious tips to ensure consumers' right to know. On the premise of protecting consumers' right to know, if the money has not been credited to the bank account, the last operation instruction of the consumer will generally prevail. Lawyers should advise banks to consider the actual situation of consumers as appropriate, and the two sides should negotiate.
For another example, some consumers reported that they had recharged in a health center called Toudaotang, and the subsequent merchants moved, leaving more than 3,000 yuan in the card. The store was renamed China Health Center, and consumers recharged 5,000 yuan. As the "China" health center was closed again, the merchants asked consumers to move to another store for consumption. The consumer objected and demanded a full refund.
After preliminary verification by the program group, "Zhong" took over the business of "Toudaotang", but the operators of the two health centers are not the same subject.
In this regard, according to the lawyer's suggestion: "Zhong" can give consumers a refund first, and the refunded money can be recovered from "Toudaotang" through legal channels.
After the broadcast, lawyer Ying also expressed his feelings:
Consumer rights protection seems to be dealing with some minor consumer disputes, which is essentially the all-round protection of consumers' rights and interests by law. Shanghai Consumer Protection Committee appointed public interest lawyers to participate in the live radio program, which was in great form and had good results. The hotline, Haibo, embodies the power of media supervision; Public interest lawyers walk into the live broadcast room, which reflects the social responsibility of the lawyer industry. They are fortunate to be involved and lucky.
Shanghai Consumer Protection Committee and Shanghai News Broadcasting "Haibo Hotline" launch special programs every Friday. Members of the Municipal Consumer Protection Committee, legal experts and regulatory authorities will step into the live broadcast room one after another, answer calls from citizens, analyze typical cases, help solve consumption problems and guide scientific and rational consumption.
Brief introduction of public interest lawyer
Related Questions and Answers: Related Questions and Answers: Are the consequences of applying for installment repayment by credit card serious? What's the impact? Thank you for inviting me! Credit card application for installment repayment has two consequences and effects:
First, after the installment, repay the loan in full and on time before the monthly repayment date, without consequences, which will help to increase the quota.
Second, after the installment, the repayment is not made on time before the monthly repayment date, which leads to overdue and affects the credit investigation; If the credit is overdue for three consecutive months within two years, or accumulated for six times, it will have a great impact. For example, if the card is not available, the mortgage will not be available.
Under what circumstances can I repay by credit card in installments?
First, if you have temporary difficulties, you will not be able to change your credit card bill for a while, and you can apply for installment to ease the repayment pressure;
Second, if you want to increase the amount of your card, you must always use it by stages, so that the bank can earn the handling fee. The installment amount is about 30% of the credit card limit, and the installment period is 3 or 6, which is not too long.