During the Spring Festival, the passenger flow of railways and civil aviation remained high, and there was a business, and a lot of marketing has been eyeing stations and airports recently. When Mr. Wang, a citizen, was printing the reimbursement voucher at Shanghai Hongqiao Railway Station, he encountered a staff member holding a China Railway 12306 leaflet and took the initiative to come to talk, claiming that there was an activity of returning cash by car. Mr. Wang followed the other party's request step by step, and found that the verification code he received was actually used to apply for a bank credit card. Is what Mr. Wang said true? The reporter went to the station to investigate.
Beside the self-service (vending) ticket machine outside Exit A B of the subway station of Shanghai Hongqiao Railway Station, the reporter could see two groups of people with red ropes around their necks, introducing the leaflets in their hands to passengers. Subsequently, when the reporter pretended to collect tickets and passed in front of the self-service ticket vending machine, a group of people dressed in ** greeted them and claimed that if they applied for railway membership, they could enjoy car purchase discounts and cash rebates. The reporter then opened the official app of the railway 12306 and asked the other party how to handle it. However, the other party did not answer, but emphasized that you can enjoy the 12306 ticket purchase discount by using Alipay and WeChat payment. After repeated inquiries by the reporter, the other party revealed that he was a staff member of Guangfa Bank, which was a credit card preferential activity launched in cooperation with China Railway. Also showed the ID hanging around his neck, one side"Shanghai Station Pass"On the other side is the work card of China Guangfa Bank. Under the guidance of these staff, the reporter found that the cashback in their mouths not only had a threshold, but was also divided into multiple payments"Full 19 minus 10""Over 200 minus 10"and other coupons will be issued.
Outside the subway station of Hongqiao Railway Station in Shanghai, in addition to the staff of the purported Guangfa Bank promoting credit cards, there is also a group of people claiming to be"Bank of Beijing"The staff of China Guangfa Bank started a battle and were also busy looking for targets.
In fact, this situation is not unique to Hongqiao Station. On Shanghai's 12345 citizen service** and social networking**, there are many passengers who complain about bank credit card clerks at airports, stations and other places"You can enjoy points and preferential membership cards"Passengers are often mistaken for station staff because they are wearing **, and they apply for credit cards without knowing or fully understanding.
Is it as the staff of Guangfa Bank said, Guangfa Bank and the railway 12306 official existence cooperation? This morning, a Dragon TV reporter called the railway 12306 customer service ** and asked if the railway knew about it. The customer service said that there is no relevant cooperation at present. Subsequently, the reporter checked the 12306 app page, but did not see the relevant cooperation information. In other words, there is no cooperative relationship between the railway department and China Guangfa Bank, and the credit card that the staff of Guangfa Bank sells at the railway station is not a co-branded credit card with China Railway.
So, is this kind of credit card promotion method that claims to cooperate with railway officials and sells credit cards under the guise of applying for membership cards? In this regard, lawyer Yue Xuefei said that this kind of credit card in the name of 12306 to let passengers apply for a credit card, so that passengers mistakenly think that it is a credit card in cooperation with the railway department, the operator is suspected of making false claims about the performance, function and quality of the goods he marketed, or a misleading commercial promotion, this kind of behavior has been suspected of deceiving and misleading consumers. Yue Xuefei reminded consumers that no matter what kind of sales they encounter, they should improve their awareness of prevention, learn to screen the identity of salesmen, and ask about the actual use of the goods or services they are selling.
In fact, the main reason why credit card promotions keep going is because credit cards have already entered"Stock"Era. The latest data shows that by the end of the third quarter of 2023, the cumulative number of credit cards issued has dropped to 77.9 billion, declining for four consecutive quarters, and some banks grew rapidly"Cut in half"。At present, many people already hold multiple credit cards, coupled with a wealth of Internet financial products, credit cards are no longer the only choice for borrowing. However, the credit card business is an important profit for many banks, so major banks are vying for it"Fight scale""Grab market share", passed"Viral"of deformed marketing to acquire new customers. In addition to the most intensive supermarket entrances, hospitals, airports and other places to carry out local promotion, there are also many consumers who report that even when applying for housing loans and consumer loans, they will be forced by banks to apply for credit cards. And this"Strong selling"It also makes the credit card business a consumer complaint"Hardest hit areas"。In 2022, nearly half of the complaints received by regulators related to credit card business accounted for nearly half of the total number of consumer complaints in the banking industry.
So, how should the relevant departments strengthen the management of the behavior of the bank's side-kicking and public-spirited citizens? Also, with the credit card entering"Stock"In the times, how does the financial sector regulate financial products such as credit cards? In this regard, lawyer Yue Xuefei said that the high-speed rail station and airport have a large passenger flow, many business travelers, and passengers often carry ID cards and other related information, which is indeed a good place for credit card promotion. However, it is precisely because of the particularity of the scene that passengers often have natural trust in the promotion in the station, which is easy to confuse card holders. If the railway authorities do not cooperate with the banks, once they find that someone is using the railway department's signboard to attract passengers to apply for credit cards, the railway authorities should stop it as soon as possible to ensure that the rights and interests of consumers are not harmed. As a bank, it should not mislead consumers by making false propaganda by various means for short-term profits. Although"Misleading"It is not advisable to increase the volume of business, but it will damage the brand image of the bank.
In addition, banks should strengthen the management of marketing personnel, stipulate that marketing personnel must wear the logo of the bank to which they belong, clearly indicate the card-issuing bank and customer complaints**, and fully disclose information and risk warnings on credit card charging items, interest-bearing policies and business risks; Marketing materials are true and accurate, and must not contain false or misleading statements or material omissions, and must not contain exaggerated or one-sided publicity. At the same time, we will strengthen the standardization and standardization of services in the process of applying for credit cards, so as to ensure that consumers understand the precautions in the application process and optimize the use experience.
Take a look at the news knews editors Peng Xiaoyan, Chen Yuhui, Ruan Li.