Take deposits actually received their card bank card fee of 1% different functions

 Recently, Ms. public water will be stored and 7 million yuan in her husband's credit card. Get money the next day her husband was told things: Take now need to pay 1% of the fee, pay 700 yuan to 70,000 yuan. Ms. finance water hotline complaints call the newspaper,

According to its introduction six months ago, in a state-owned banks and a car club events, she has handled this credit card, when the personnel to do card: Card credit lines up to 2 million, other features and banking card almost. not understood. but dump 7 million to the card, the amount of large, bank staff failed to fulfill its responsibility to remind.

, and was told to go to Hankow Xunlimen branch consultation. Answered that the staff can not talk about every detail of the consumer to understand, save for the wrong card number or deposit of money, one is direct access, pay 1% fee, and no interest; Second, the balance of all credit card customers consumed; Third cancel the account, credit card sales account for about 45 days, cancel the account before access to cash.

he said, to the emergency, that they have taken through the ATM machines of 2 million, spent 200 yuan fee, and then to help relatives to pay a deposit to buy a house, credit card 1 million.

7 yuan of money if all taken out to pay 700 yuan, it is understood Ms water. In her view, this matter there is a problem themselves, but an error have to pay so much money, sell cards have to wait more than a month. Is also not reasonable?

for the matter, the reporter consulted a credit professional. He said that at present there are three kinds of bank cards market, features vary. Debit card is the card-issuing bank to deposit the public, after the deposit transactions by electronic payment instruments, have access to cash, transfer and settlement, collection and payment, shopping, banking and investment functions. People inside the card there is a debit card can enjoy the current interest. Credit card issuing bank is to give some credit cardholders, with consumer credit, transfer and settlement, access to cash and other functions. After the first consumer credit card payment can enjoy interest-free payment period (up to 56 days), and with the minimum amount of cash most banks required to pay the credit card fee of 1%, taking the current overdraft interest rate every five ten thousandths. Deposit and loan one card is a new type of card, not every bank issues. This card combines the function of debit cards and credit cards, debit cards people can withdraw the deposit, and enjoy interest on deposits when the card is used up, they need to continue spending, you can use the credit card function. (Trainee reporter Cheng Sisi)