Credit card customers are misled by insurance sales and want to cancel their cards.

　　Now when receiving a call from the insurance company, Mr. Zhu has a firm attitude: No consideration! He no longer trusts the bank as before, and even considers canceling the bank’s credit card.

　　Recalling that he bought an insurance five years ago, Mr. Zhu still regrets it very much, and this regret will accompany him for five years until the payment expires in 10 years. Since he bought insurance, the insurance company has called him every now and then to promote other insurance products, and he feels overwhelmed.

　　He said: "This insurance is in the name of the bank credit card center. I bought it out of trust in the bank, but after carefully studying the contract, I think this insurance is not suitable for me. I want to surrender, but I can only negotiate with the insurance company!"

　　Should I add insurance if my credit record is good?

　　"When they called me, they first exchanged pleasantries with you and told you that from your credit card consumption record, your credit is very good. Soon, they will tell you that your current insurance coverage is low, and there are more suitable ones for you, so let me continue to add insurance. The 10-year payment period should be recalculated from the date of adding insurance. In this case, I can only resolutely refuse. " Mr. Zhu told reporters.

　　"This doesn’t mean that if I accept their advice again, the payment for the first five years will not count, so it won’t be a bottomless pit?" Mr. Zhu was very excited when he talked about it.

　　After the mood calmed down a little, Mr. Zhu recalled to the reporter the situation when he bought this insurance.

　　At that time, during the Beijing Olympic Games, Mr. Zhu just got off the bus when he returned to Beijing on vacation from other places, and he received a phone call from his credit card issuer recommending him to buy an insurance from a foreign insurance company. "Buying an insurance policy means an extra guarantee, which is a good thing. At the same time, I trust this bank, so I readily accept the products they recommend." Mr. Zhu said.

　　However, in fact, Mr. Zhu, then 25, knew so little about insurance that he had never even heard of the name of the company that recommended buying insurance.

　　"At that time, people who claimed to be the bank credit card center only briefly introduced the function of this insurance on the phone and told me that if they suffered from serious diseases during the 20-year insurance period, they could get compensation from the insurance company, but they didn’t even tell me how much they could pay at that time." Mr. Zhu told reporters.

　　Because Mr. Zhu was outdoors when he received the phone call, he didn’t calm down and think carefully about what major diseases were included. If he felt that it was inappropriate to surrender, he would have any losses, and he agreed to buy insurance.

　　Credit card transfer is silent.

　　According to Mr. Zhu’s insurance contract, the main insurance he purchased is the endowment assurance of Happy Life (2008 edition), and the monthly insurance premium is 442.80 yuan, and the long-term critical illness insurance (2008 edition) is paid in advance with Happy Life, and the monthly insurance premium is 44.30 yuan. The payment period is 10 years and the insurance period is 20 years.

　　"I remember calling me on Friday afternoon, and they sent the insurance policy on Monday morning, only one weekend apart." Mr. Zhu said. At that time, the insurance policy was sent to the unit by express delivery. "When I arrived, the courier asked me to sign it. Without telling me any information, I didn’t think much, so I signed it." Mr. Zhu said.

　　These seemingly ordinary things have quietly buried hidden dangers for Mr. Zhu. Because the monthly payment of this insurance product is 487.10 yuan, the amount is not large, and this fee is directly transferred from the credit card, and Mr. Zhu does not have to go to the bank to pay in person. In addition, he has just come back from vacation and is busy with work, so at first, buying insurance did not attract his high attention.

　　When he was free, Mr. Zhu began to carefully consider whether it was appropriate to buy this insurance, and at this time it was three months since the policy came into effect.

　　Looking at this contract, Mr. Zhu felt more and more wrong, so he searched online. This search doesn’t matter. Some comments on the Internet made Mr. Zhu gasp.

　　"I found that this insurance is very poor in the evaluation of netizens, and I think it is not suitable. I want to surrender." Mr. Zhu told reporters, however, after communication, Mr. Zhu learned that if he surrendered, his losses would be great. "If the payment is less than one year, I will not get any premium when I surrender, which is equivalent to three months of premium payment. My monthly salary was not high at that time, and the three-month premium was definitely not a small amount for myself. " Mr. Zhu said.

　　Faced with such an outcome, Mr. Zhu felt very helpless and could only continue to pay the premium. The reporter saw in the insurance contract that his main insurance period was less than one year without cash value, and the cash value at the end of the first year was 8.82 (calculated by the amount of insurance in 1000 yuan). Then, even if he surrendered his insurance at the end of the first year, he could only get 1,764 yuan, while the premium paid in one year was 5,845.2 yuan.

　　In an interview with reporters, Mr. Zhu admitted that he was ill-considered in purchasing this insurance at that time and made a hasty decision.

　　Are deep cooperation advantages and disadvantages?

　　In the cooperation between insurance companies and banks, in addition to borrowing bank outlets for sales, more cooperation has gone deep into credit card centers. Because credit card customers generally have good credibility, strong economic strength and high insurance awareness, insurance companies attach great importance to it.

　　At the same time, because of the natural trust in banks, it is easier for insurance companies to sell insurance in the name of bank credit card centers. However, insiders pointed out that it is understandable for insurance companies and banks to carry out in-depth cooperation. If the sales behavior norms will make customers more convenient, it will be good for everyone. However, if the sales behavior of bancassurance is not more standardized, there will be misleading sales or telephone nuisance, and even insurance disputes, which will make consumers feel rebellious towards insurance companies and banks, and banks may lose some of their customers.

　　"No matter when the bank credit card center sold it to me on the phone or when the insurance policy was sent to me by courier and asked me to sign it, they didn’t emphasize the risk of surrender, nor did they prompt what should be determined before signing. I think they avoided the weight and misled me. I made a decision too quickly." Mr. Zhu said.

　　After this incident, Mr. Zhu’s attitude towards insurance changed from accepting to refusing. He said: "If insurance companies are dishonest when selling insurance, even if they have insurance, they may not be guaranteed."

　　Five years later, Mr. Zhu still pays the premium every month, but he has long ignored the significance of this policy. He said: "It’s time to deposit a current deposit and take it out when the insurance expires. But who knows what will happen in 20 years? Maybe insurance still has some effect. " In his speech, Mr. Zhu has both helplessness to insurance and a little affirmation of the significance of insurance. (Securities Daily Leng Cuihua)