Many banks force insurance products to deduct money from credit cards by themselves.

　　This kind of behavior has caused some harassment to the public, and insiders remind customers that they can keep the evidence on their own.

　　As a gold card user of a bank, Mr. Chen (pseudonym) has been very depressed recently. Recently, he has always received calls with the unified outgoing phone number of the bank as the caller ID. I thought there was something wrong with my banking business, but every time I called, I was selling accident insurance or critical illness insurance to him. "It’s strange that the bank how to make a phone call to sell insurance? Caller ID or the customer service phone number of the bank? "

　　The reporter learned that many banks have this so-called "service expansion" to promote insurance calls. The insurance products of bank telemarketing are mostly simple and easy to understand, and the sales targets are mostly high-quality customers of banks.

　　Some insiders pointed out that if customers need to defend their rights, it is necessary to keep the evidence on their own.

　　Event: The bank calls to sell insurance or even deduct money by itself.

　　Yesterday, a credit card customer of Bank of Communications broke out a phone call from 021-51319888 on the Internet under the banner of Bank of Communications to promote insurance to the credit card customers of Bank of Communications. "I really believed my credit card and name description, and I started to promote insurance … I learned that I could deduct money directly from my credit card." A netizen complained in Weibo that.

　　The reporter’s search in Weibo found that there were not a few netizens who complained about related incidents. Some netizens said that the telemarketers in the credit card center of Bank of Communications (601328, stock bar) insisted on selling even when customers had indicated that they didn’t need insurance. "I made it clear that I didn’t need it before he started introducing the specific content, but he insisted on selling it for a few minutes, and finally he hung up angrily when he saw that I didn’t want to change." A netizen said.

　　For a large number of complaints on the Internet, Bank of Communications replied to a few emotional Weibo who wanted to cancel their cards: "I’m sorry for the trouble. If it’s convenient for you, please leave your card number and contact information through" private message "and we will arrange someone to contact you."

　　The reporter learned that the customer service of Bank of Communications 95559 responded to the incident as follows: 021-51319888 is an outgoing call from the credit card center, which is managed by the credit card center. If you have other questions, you can ask the credit card center for information. The statement of the Bank of Communications Credit Card Center is: "021-51319888 is indeed an outbound call of the insurance business of the credit card center, and the Bank of Communications only sells it on its behalf, and the products are still underwritten by the insurance company."

　　Citizen: I have received a number of bank customer service calls to promote insurance.

　　The reporter learned that the self-proclaimed bank insurance service line is not a fraudulent phone call, but a high-quality service provided by the bank for high-quality customers. This so-called "service expansion" phone to promote insurance is not unique to Bank of Communications.

　　Citizen Xiao Chen (pseudonym) told reporters that she had received calls from many banks, including China Construction Bank and China Merchants Bank, all of which said that they wanted to promote related insurance products, and some of them even had the official hotline number of the bank.

　　Mr. Weng (pseudonym), a citizen, said that he often received calls with the caller ID of 95566 recently. He said that as a credit card customer of BOC, he naturally answered the customer service phone with the number of BOC, but the staff at the other end of the phone promoted accident insurance and critical illness insurance products to him. He told reporters, "Why is the telephone number that sells insurance displayed as the customer service number of the bank? This is easy to misunderstand. "

　　Target: bank quality customer products: accident insurance and critical illness insurance.

　　The reporter learned from the inside of the insurance company that many life insurance companies will not only have internal telemarketing centers, but also cooperate with banks to conduct telephone sales of insurance products by using bank telemarketing channels and internal telemarketing service personnel. According to reports, the sales target is mainly the bank’s own quality customers.

　　The person in charge of an insurance company said that most of the insurance products sold by banks are easy-to-understand accident insurance and critical illness insurance products.

　　The above-mentioned person in charge said that at present, there are two ways to deduct money from the bank’s electricity sales bill. One way is to directly deduct money from the bank card after confirming the purchase by phone, and then send the policy to the customer. After the customer checks the information and signs it, the policy will come into effect. The other is to send the insurance policy to the consumer after confirming the purchase by phone, and then deduct the money from the bank card after the consumer confirms the purchase signature and sends back the receipt. "For the first case, if the consumer repents after answering the phone and doesn’t want to buy insurance, there is actually no need to sign a receipt. After the policy hesitation period, the premium will naturally be returned to the consumer’s bank card. In the second case, the consumer does not need to sign the policy receipt, and there will be no cost. "

　　Lawyer: telemarketers have an obligation to remind consumers.

　　Yesterday, the reporter called the relevant contact person of Bank of Communications for this matter, but no relevant reply was received as of the deadline.

　　According to relevant media reports, the customer service of the Bank of Communications Credit Card Center once said: "If you don’t want to receive similar sales calls, you need to call the credit card center to register actively."

　　Some lawyers said that although the above-mentioned behavior of the bank is not a civil infringement, the telemarketers are obliged to remind consumers that they will immediately deduct the relevant fees from the consumer’s bank card after confirming the purchase of insurance by telephone.

　　Some professionals said that, in fact, because the calls made by banks are basically recorded, in case there is an exaggerated income or unclear explanation when selling insurance products, there will be recordings as evidence.

　　However, some netizens questioned that since the recording party is not a customer, if there is a dispute and evidence needs to be produced, will the bank refuse to produce evidence against itself on the grounds that there is no recording? In this regard, some insiders pointed out that if customers really need to defend their rights, it is very necessary to retain evidence on their own.

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　　first half of a year

　　Electricity sales disturb people and cause disasters.

　　The disturbance of electricity sales has become the hardest hit by consumer complaints. The website of the China Insurance Regulatory Commission published a report on complaints from insurance consumers in the first half of this year. According to the circular, misleading sales accounted for 30% of complaints from life insurance companies, while complaints about telephone sales disturbing people increased more and were repeatedly banned. Consumers complained about telephone sales disturbing people in 223 cases, accounting for 3.35% of the total complaints, an increase of 215 compared with the same period last year.

　　In fact, the regulatory authorities have recently issued relevant notices, stipulating that for customers who refuse to continue answering and explicitly ask not to call again, telemarketers should politely end the call, register in the number blocking system, and set a time limit of not less than one year. The insurance regulatory bureaus may, in light of the actual situation, guide local insurance industry associations to establish a system of electricity sales and dial-forbidden, and set up a database of dial-forbidden shared by the industry, so as to prevent customers from being dialed by other companies after refusing to listen to one insurance company.

　　At the same time, all insurance companies should also reasonably determine the dialing time of telemarketing according to regional differences, seasons, customs, climate and other factors, so as to ensure that incoming callers are willing to answer and are convenient to answer.