Early before, small Dong ever had written an article " of the friend " usurious " Zhang is odd " (2018.5.31) had discussed a bank " sum plan ceases " clause of Xiang Yu the Conqueror.
Probably time too too ages ago, numerous Dong pink overlooked this matter, what we review first is " sum plan ceases " .
Small Dong brushs card:
1, small Dong brushs credit card consumption, spent 100 thousand yuan.
2, returned on time 99 thousand, remain 1 1000 did not return.
You think probably, small Dong owes a bank only now 1000 yuan 1, the interest that the bank should receive small Dong by 1000 yuan ability is reasonable.
Normal thinking is how to much owe, how much to return.
But the bank is overbearing, recumbent credit card " clause of Xiang Yu the Conqueror " , only you think what you think!
The bank punishs breath:
1, bank according to the accrual of expenditure collection small Dong of 100 thousand, everyday extremely, one day is 50 yuan, a month with respect to 1500 yuan.
2, pay off till 1000 yuan when owe place, small Dong just need not pay 1500 yuan every months punish breath.
It is very absurd, owe a bank 1000 yuan 1, the interest that was received 1500 yuan however, usurious also do not have so firm ah. . .
A lot of is stupefied head blueness is so muddle-headed was cut by the bank " leek " .
2, the supreme court movesProbably the bank is cut " leek " cut too too delighted, came up against " leek " medium good crop, also or " leek " people grievance is too serious.
The supreme court moved eventually!
Credit card user received a good news, recently, top people court released to ask for an opinion to stalk of grain.
Among them most get care of user of broad credit card " plan of exceed the time limit ceases " problem, top magic art drafts support to press " remaining sum plan ceases " .
The clause of Xiang Yu the Conqueror that this means a bank " sum plan ceases " limbo be infiltratinged.
A lot of people do not know actually, instantly bank executes " does sum plan cease " does accrual have many tall?
Small Dong in order to build silver-colored behavior exemple (other bank is similar) , "Sum plan ceases " interest rate is everyday extremely, conversion is into annual interest rate 18.25% , and it is benefit of lunar plan recover.
Accordingly, you can see a lot of strange flower incident in news:
1, Xiaoli overdraws credit card 399 yuan, 7 annual interest rolled benefit to be accumulated unexpectedly 30 thousand multivariate.
2, Laowang overdraws credit card 9 yuan, 9 annual interest roll benefit to become more than 1000 yuan 9.
Of course, the person of doubt is not little.
The bank often ceases with moving sum plan is " international convention " prevaricate.
because of such, case of financial consumer dispute is medium 2017, credit card held big head.
1, credit card: 60.82%
2, financial loan contract: 30.19%
3, financing rents contract dispute: 5.18%
4, the sequela of credit cardBesides pay a huge sum punish breath, credit card lets a person more those who have a headache is " credit is recorded " .
Xiaozhou is a piece of credit card that handle before New Year because of N, owed a few money, the thing bubble boiling water that buys room loan next.
Have to, returned money to hand in punish breath, small Zhou Hai and bank come to an agreement, record in the credit that Xiaozhou restores inside two months, built the rule of center of bank credit card on the agreement.
Result, the bank did not restore Xiaozhou's credence to record, return rascally.
Finally, xiaozhou can appeal to the court only. Although, do sth over and over again so hind, the court adjudicates the agreement is significant, the bank also recalled record of exceed the time limit.
But, small Dong wants to ask, everyman can have a few so can do sth over and over again.
Although of credit card all sorts of " clause of Xiang Yu the Conqueror " make us extremely such, but the person that owes money appears increasing.
2010, total of credit of half an year of credit card exceed the time limit is 7.689 billion.
2018 first quarter, total of credit of half an year of credit card exceed the time limit is seventy-one billion one hundred and forty-eight million.
It is almost turned over 8 times 8 years.
How many person do because this has a headache,this have again among them?
Small Dong does not know to because of,have how many person credit card endure hardships, but the bank is recumbent " our diligent and conscientious puts money " , next pass on is put borrow, true earn basin full earthen bowl is full.
4 big banks are only 2017 profit:
1, industrial and commercial bank: Two hundred and eighty-seven billion four hundred and fifty-one million
2, build a bank: Two hundred and forty-three billion six hundred and fifteen million
3, agricultural bank: One hundred and ninety-three billion one hundred and thirty-three million
4, Bank of China: One hundred and seventy-two billion four hundred and one million
As to the bank people says sum plan breath " international convention " , not be already " international mainstream " .
Current, euramerican country is used " law of average and daily remaining sum " give paid main means tardily as computation, accrual is relatively fewer, more reasonable also.
It and top magic art draft support to press " remaining sum plan ceases " pattern is similar.
Small Dong must plaint sometimes " convention " force.
Because, you cannot be learned " they " those who say is 50 years ago, 100 years ago, still be the convention 200 years ago.
