Credit card financing has "pits" and how many people have not escaped!

In 2017, what skills are most important?

Anti-fraud!

This era is so beautiful, it is convenient for you to travel around the world without cash. But this society is also very terrible, because with a little carelessness, there are dark little claws that stretch out to your money~

Especially in this era of universal wealth management, all kinds of wealth management channels are so hot, I want to make a lot of money, and the result is that there are a lot of people who are ruining their lives. Today, Xiaobian is talking about the financial consumption lurking in life. The "pit" that appears (precaution in advance, treatment in advance, your future is not a dream)!

Case number one:

Mr. Chen holds the credit card main card, and Mrs. Chen holds the credit card deputy card. However, when the husband and wife are not in Macau, they receive a bank SMS reminder that the deputy card is used in Macau for 3 credits totaling more than 10,000 yuan. The three POS machine purchase orders provided by the bank are displayed in Macao, and the cardholder signs the non-couple name. The Hong Kong and Macau Pass for Mr. Chen’s couple showed that the couple were not in Macau on the day of theft. The court presumed that the three credit card consumption involved in the case belonged to the pseudo-card transaction.

Xiaobian reminder: Credit card theft is already an old scam, but once the loss occurs! Everyone must improve their personal risk awareness, keep their cards and personal information safe, and prevent risks in advance by purchasing “piracy insurance”. If you encounter a remote pirate, you must first prove that you are not stealing the land, such as completing a withdrawal with the nearest cash machine.

Case 2:

Liu Laotai met a bank to promote investment and wealth management products in the village. The staff said that the product profit return rate of 13% to 15%, and the capital preservation. Liu Laotai feels that the bank must be reliable, and it will purchase a loan-free interest-bearing wealth management product of 800,000 yuan at a time.

But what Liu Laotai never imagined was that this was "the meat buns hit the dog, there is no return." After the wealth management company paid two months of interest according to the agreement, it actually fled and fled! Mrs. Liu went to the bank and learned that the relevant staff members were internally punished and could not prove that the bank was involved in the matter.

Liu Laotai could not recover 800,000 yuan. In order to ask for the pension money she had spent for the rest of her life, she had no choice but to go to court and demand that the bank bear the corresponding responsibility. However, due to the inability of Mrs. Liu to provide an entrusted financial management contract with the bank, the court could not file a case.

Xiao Bian reminds: This situation is actually called Feidan, which is a hidden rule of the financial industry. Sometimes the bank's wealth management income is too low, the account manager will quietly show that it is not the bank's wealth management products ~ but because it is not a contract with the bank, there is no way to protect the rights in the later period.

For investors, it is also necessary to be vigilant. When purchasing bank wealth management, everything is subject to the contract. It is necessary to carefully check whether the contract content is consistent with the statement. When encountering so-called high-yield products, don't blindly follow suit and venture into investment.

Wealth management is inseparable from our lives. We must protect the cards and personal information while preventing the convenience of credit cards. When buying wealth management products, we must meet those products that claim to be high-yield and absolutely safe. Twelve points of spirit - money is no small matter, big guys must be cautious and cautious!

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