Such you do not spend money to be able to let little younger brother a few earn to distribute fund, be thankful!
6 days, top people court " block civil dispute case about trying a bank the regulation of a certain number of problems " (ask for an opinion to stalk of grain) the announcement that seeks an opinion publicly to the society, hopeful of plan interest provision becomes the sum of clause of Xiang Yu the Conqueror of credit card be regardinged as the history. (on June 7 " new capital signs up for " )
Lend money consumption from the bank, want gold of repayment of capital already, return interest even, this perfectly justified, give no cause for more criticism. But all the time since, what banking adopts to credit card is it is however " sum plan ceases " mode, this is very inequitable to consumer, damaged the rights and interests of consumer badly, suffer consumer bad-mouth.
Alleged " sum plan ceases " , it is to show credit card holds calorie of person to be in expire reimbursement day fails to pay off total debt, produced the money that did not pay off partly, hairpin bank is not owe amount computation interest according to what did not pay off, owe amount computation interest entirely to what pay off entire section day according to the day from consumption however, accrual calculative date of expiration is the day that pays off all debt.
Cite a the simplest case, your use credit card overdrew 10 thousand money, you returned 9999 yuan inside reimbursement deadline of the regulation, still one yuan forgets still, I am sorry, the bank owes interest in collection when, according to 10 thousand yuan of computation that you overdraw, is not the calculation of those 1 fund that has not returned according to you, this says to be illogical at manage at affection. So, CCTV " now view " compere Li Xiaodong just feels very inequitable, very unreasonable, just hit a lawsuit for interest of hundreds of cash and bank, won lawsuit finally.
Say from legal angle actually, credit card " sum plan ceases " do not have legal basis originally, it is the regulation that banking achieves oneself completely, just be the strong position that uses oneself, press consumer is accepted.
But, a case that consumer wins the lawsuit, did not wake the banking that pretends to sleep and its director branch up, fail credit card of thoroughly terminative banking " sum plan ceases " mode, a few a few banks are active and only terminative credit card " sum plan ceases " mode, most bank still continues to use credit card " sum plan ceases " mode.
Because choose the consumer that engages in a lawsuit for accrual and bank to belong to minority after all, of conscientiously of great majority consumer ask to repay according to the bank accrual, the bank continues to accept credit card " sum plan ceases " mode, can increase profit for its. And, legal precedent law is in our country is not formal law source, cannot regard a court as adjudicative basis, making is not credit card each " sum plan ceases " dispute lawsuit, what win victory finally is consumer, the consumer preference that be in an unfavorable situation engages in a lawsuit to be able to face the risk that lose a lawsuit likely, be not regular meeting to win lawsuit.
Top people court plans to be opposite " sum plan ceases " caused dispute is maintained make unified provision, offerred two kinds of program. Can foreknow, no matter adopt which kind of plan finally, once,mean between consumer and bank because of credit card " sum plan ceases " produce issue and engage in a lawsuit, forensic court decision appeals to those who support consumer beg, and do not support a court appeal to beg. This reachs its to be in charge of a branch in the bank namely essentially not active and terminative credit card " sum plan ceases " below actual setting, the means that forces with judicatory is terminative credit card " sum plan ceases " , allow credit card " sum plan ceases " make the history, this reflected judicatory to protect social fairness justice.
The author thinks, want in top magic art with judicatory means terminative credit card " sum information " under reality, banking mights as well it is chance with this, overall be careful in one's conduct is saved, allow credit card actively " sum plan ceases " die, roll out more scientific, reasonable credit card plan interest is regular, is not to force so that consumer is credit card time and again " sum plan ceases " engage in a lawsuit with the bank.
Such you do not spend money to be able to let little younger brother a few earn to distribute fund, be thankful!
