Since the university had ID the future, they always wanted to do a credit card four major state banks, one trust in the name of a higher state, and second, taking into account the repayment of small town convenience, third, taking into account the scope of use may be better than the other commercial banks.
Until one, would like to verify your Moneybookers account, China Merchants Bank credit card can not be verified, I think of the Bank of China. After all, feeling the Bank of China will be a little higher degree of internationalization, the international recognition will also be high. Therefore, proof of income, after the company opened, go to network applications, network that visibility is not high because the company needs to provide copies of business license to apply. I was on the depression, when the staff said that if there are other credit cards, with the recent bill can be handled.
I was on silent: the other banks, such as the people's livelihood, Industrial, credit card application is very easy. It was not easy with their credit card application Bank credit card? So why should they be added before the copy of business license do?
China Merchants Bank credit card holders I already have two years, and credit card is also upgraded to a Gold Card. So I submitted a recent credit card bill. More than a month after the credit card batch down. And a week later, I decided to cancel Bank of China credit card.
1. Can not be paid online
E-commerce so popular, but the Bank of China credit card can not be online transactions. Including the payment of treasure, etc. do not support. Asked the customer service, customer service, said security card to customers ... ...
2. Repayments extremely troublesome
Bank of China credit card receipt, they learned that the Bank of China credit card payment method is extremely rare. Can only be bound by the counter payments or automatic debit card payments. The counter is not real-time repayment arrive, and takes 2-3 working days. And the provinces have to pay the fee payment. Debit card payments can only be bound automatically choose the lowest payment or full payment. Flexible repayment amount can not control. Bank deposit machine already extremely scarce, and customer service can not reply to deposit machine credit card payments.
3. Is not a true credit card
Now the Bank of China made the Olympic advertising cards, general credit card processing is that BOC Card, BOC card is quasi-credit cards, not a real credit card. But the real credit of the Bank of the Great Wall International Card, issued by the Hong Kong Bank of China. Enquiry Office BOC Great Wall International Card is extremely troublesome. Required margin.
4. There is no online banking
Online Banking Bank of China has done extremely rough. Because individual needs, I have my current one pass for an online bank, made a E-token (e-password cards) to me 20 yuan a year, only use for three years. Free first year costs. After the discovery into the little landing, and the interface is unfriendly. I am ready to sell cards in the opening of a credit card after this part, the Advisory Service is currently not associated with credit card. Since I do not know can not be associated, like to stay in-house testing, and doing out?
5. Customer Service is extremely difficult to connect
Bank of China is difficult to connect a telephone customer service, basically have to wait 10 minutes or more. This and the Bank of Communications China Merchants Bank is rare. Finally connected, the operator is extremely unprofessional, the most silent is the grave accent is northern accent. Note: Northern accent does not mean Mandarin. Is difficult to understand or hear that Southerners are awkward Mandarin.
Above is my personal opinion. In addition, card holders will also have an attack criticized the Bank of China credit card articles about content and about my address here .
Original Source: Oxygen level in the eyes of the world [ http://www.w757.com ]
This link: http://www.w757.com/435.html
Reproduced, please include the above two lines, thanks.
Tags: Bank of China , credit cards
→ 21 comments
21 responses so far ↓
1 Wei child Do not Ha / / 6 22, 2008 at 7:32 am
Well ...
Conservative
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Wang Reply:
May 30th, 2009 at 5:09 pm
1. Less network
2. Early work, holidays 4:00, do you really comfortable. China Merchants Bank, under 6
3. Repayment of 10 people to wait for the counter 1 hour, the same number of CCB will not more than 20 minutes
4. Integral to the gift bad
5. Upgrading of credit with them to defraud, and I do not play with them a
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Two oxygen level / / 6 22, 2008 at 9:48 am
Is not conservative, but backward.
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3 Wei child Do not Ha / / 6 22, 2008 at 12:32 pm
Haha .. a bit like the former state-owned enterprises here ..
Because they do not update generation technology, management team, went out of business ..
However, the possibility of failure in a very small silver
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4 oxygen layers / / 6 22, 2008 at 12:50 pm
China has not yet fully open. Even if open, but many state-owned enterprises or pay wages, and a provident fund's enough to feed the garbage bank.
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5 spirost.wan / / 6 23, 2008 at 2:49 pm
I am working, I did not do credit cards,
Personally feel that do not have access,
But my girlfriend does have, is the Merchants Bank of ~!
Feel good ~!
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6 cosbeta / / 6 24, 2008 at 10:43 AM
Bank of China is the worst bank, I encountered n times!
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7 oxygen layer / / 6 24, 2008 at 2:01 pm
China Merchants Bank credit card is indeed very good. China Merchants Bank online banking is also a national best.
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8 oxygen layer / / 6 24, 2008 at 2:01 pm
Encountered n times what it
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9 Bin / / 7 16, 2008 at 9:20 am
Or CMB good.
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10 lweskdf / / 11 12, 2008 at 5:12 pm
BOC Credit Card
On September 1,2007 salesman not stand in the marketing of silver, the Bank organized an Air VISA credit card.
2 EMS credit card is sent, the spot on the ID card on the spot to sign on. Password to be sent separately.
3, now more than a year, I played N times phone, asking them to send the password, each sent about every time I have not received the password, send back what I asked, and speak. . . Ping letter! I say. . . Can send EMS? I am out the cost of EMS. . . . Still have not received your password. . . A credit card until I retire. . . I do not know. . I used the credit card password.
4, for fear of accidentally, lost credit card. . Password + sign. . . Did not receive the password. . . Had to use a credit card every time out, a cell phone. . . Cancel the password settings. . . BOC Credit Card phone. . . Sometimes it is really hard to get through (artificial service). . That Jia. . .
5, I used the credit card so many times. . . One of the bills are not received, each post-consumer, when the recall went to the Bank of China has some money. . . . Every time I called asked. . Why not get on the bill. . . They just ask your home Communication address change has not changed. . . I have talked about N times not changed. . . Or do not receive statements. . . You think no place to spend the money of ordinary people. . . Another to buy a house today, home address, and then spend money to buy a house tomorrow, another address ah? ? ? ? ? ? ! ! !
6, each consumer has a cell phone text messaging to inform, but why every time when the repayment can not SMS notification about. . . When the number is also to money? ? ? ? ? ? ! ! ! !
7, Bank of China today to pay back the money. . . Want to check the ATM machine. . . Can not check. . . Asked the counter staff are not able to identify the specific number of accounts? Generate much interest? Q to the end. . . The answer can only be called. . . Then make your call. . . . Finally get through labor service. . . . Also check out not generate much interest. . . . Talk only about the money for a few, I say, I have to back a credit card. . . You do not speak a specific amount of money. . . If I save more. . . Credit card, dropped out. . . I have extra money to play who is going ah? ? ? ? ! ! ! ! Really a bunch of SB. . . . What is bad credit card! ! ! !
8, the password can not get on the bill not received. . . . Also excuse, I really lost confidence in them, and I no longer believe them. . . I made back credit card, they say only the phone back, I asked a retired credit certificates? Answer: No! Q: Can you send text messages to announce it? A: No! All of the evidence in your Bank, I have little evidence. . . If you work seriously. . . . Now tell me back up. . . After a few years back did not speak. . . . I have to charge an annual fee. . . I have to charge interest. . . Where I unreasonable to ah. . . What evidence is there I went to court? ? ? ? ! ! !
Marketing of credit cards, what about any good. . . Subsequent credit card receipt for a service. . . Pay for a face. . . . Disgusting. . . I believe you can tell the future then? ? ? ? ? ? ?
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11 william / / 12 16, 2008 at 4:59 pm
The service did not expect the Bank of China is like this, is angry! ! !
The wages of our debit card into the Bank of China, I have to do in order to facilitate repayment of the Olympic Games, Zhang credit cards, other credit card payment when they previously as SMS alerts, but this Bank of China credit card payments in the first month when there is not even remind so I thought not to repayment date, the results up to the final date has been deducted from interest.
I called customer service, and did not like the tone of the rhetoric took hold chamber, said that he had been texting, I asked him to check the evidence, he said finding out. Shit, what if I say I have the money, but you did not give me evidence, I believe that Bank of China will not agree.
In short, the management of state-owned banks really have a big problem, and now frequently receive this fee that fee, almost. . . . ! !
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Oxygen layers Reply:
December 18th, 2008 at 9:13 pm
Haha, everyone will work together crusade against the Bank of China credit card!
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12 b / / 12 28, 2008 at 3:44 pm
Really rubbish is preparing to sell cards
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13 Vivien / / 12 28, 2008 at 11:01 pm
I am also a victim of the Bank of China card is worst I've seen the card. The following personal experience, the Bank applied for a city card, cards received, but not the password letter, first cancel the password function. Card, I feel really bad with no password, can not ATM withdrawals, so to counter the password reset (which most banks can handle business), the counter staff told to be there to handle the business branch misconception that is so, an hour by car to reach the so-called branches, that she was told that the business can not handle their branches, call me direct broadcast credit card customer service, and then reset the phone being told not only complement Send password letter, probably a week or so. One night before the first month of repayment, the repayment of money transferred from his line and found no change (now most of them support the business card, so I thought that could change), so I hit the customer service, and then listen to a very rigid staff told me not to switch, I asked you to tell me where automated deposit machine, I went to deposit (taken for granted that their own savings card machines still have not go in you)? The results, unfortunately, answer the officer said that does not support deposit machine deposits, wow thiazolyl, there is no wrong, and finally that in the end I asked how could he repay ah, she said you go to the counter to deposit, or with the Bank of China Card transfer it, I said I have to work during the day, how to save, do the leave does not work to keep the ah, the next million may not go and I called a friend deposit. Month, full use of the Bank of China said that the customer can transfer payment cards right, it took time of running the Chang Bank debit card, just busy with exams this month, what did not attend to, to remember not only the repayment date repayment, secretly glad to do the debit cards can be used to transfer payments, the result he just does not turn over and beat credit card customer service, call customer service I called the local Bank of China, pushed me out, I call back the Bank customer service, told me that can not be transferred, and I said why, he told me that this card is not allowed to turn and ask me to ask the credit card customer, his Mother, and again I put up, call back credit card customer, I asked me last month that called asked said they could transfer payments with debit cards, Bank of China, ah, replied "Yes ah, but be transfer Caixing counters," You now say that I am now unable to repay the that I was late, my credit back how, staging what happens inside me. The answer is you worry about credit no problem, just to pay the late fee, on what basis the fuck I pay a late ah, but also I do not worry. I said I want to transfer last month's record to see in the end she say wrong or I got it wrong, the results let me wait five minutes, he heard the officers said they did not, I said that I have not heard then, how would you say the count alone, he said he was sorry that our record is not the external, fart ah, not to the customer to listen to, why you recorded it, how do I know you did not cover internal staff is not it, this is what Overlord Terms ah, leaving popular is the officer said that if you do not believe you can go to court against us, your grandmother, you all like the Bank of China, so when the money ah, I listen to are not even listening to recordings, told how, ah, so I reported to the tape may have heard this paper and spend money, you will seize the money of ordinary people like you we can be so reckless consumption, Bank of China is the worst, worst, most arrogant bank most shameful ! ! !
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14 La La Love / / A 8, 2009 at 2:17 pm
Sensible point of Kazakhstan, I have written off the BOC, so garbage, and also a section to wearing them. Customer cow * is what Bush thought he was, I no longer, and you guys play rogue, and this always the be all right?
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Oxygen layers Reply:
January 10th, 2009 at 3:00 pm
Come, come, everyone crusade against the Bank of China credit card!
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15 123 / / 1 20, 2009 at 4:11 PM
BOC is not on-line consumption of the international card can also be handled through paypal if international card if the if the Bank can still go through the general online consumer and do not use the card abroad absolutely no need to go through quasi-credit cards apply for debit card can ICBC Also line
So depending on how you use the
If
1, to go abroad to use and apply with online spending on international
2, to go abroad but not on-line consumer use of international or quasi-credit can do
3, if you do not go abroad and apply online spending on debit cards
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16 Fuck / / 11 18, 2009 at 9:49 am
Bank of China, including all banks are rubbish chop suey!
Two years ago when a car organized in Suzhou, a subsidiary of Bank personal credit card and a card. Is then set with password consumption, but consumption of a particular in Hefei, the salesperson just asked me to sign. I asked: Can you confirm that you signed the card owner? The other answer was: Anyway, you can be signed. Speechless! If the card is lost the consequences can not imagine!
Is the gang of garbage while at the same time stressed that users of credit, to abandon their responsibility and integrity in Cloud Nine, the cumulative six months or so after the card back without hesitation!
Not finished processing all of the credit card back, and often received the bill, saying that what fee fee fee, a time to provoke anxious grandfather, played for two hours rave, then there will be no. But the supplementary card (wife holding, but has no use) of the bill remains Gesanchawu the years, also what card charges. Strange, at that time the card is the follow through the main card subsidiary, including consumer loans, if there are overdue, the main card to be responsible, how is the vice card off the main card also? And I was also asked Vice card be written off ah.
Just check the phone for a long time personal information, that there is no record of vice cards, but also strange! Since there are no system, how does a bill? Finally, I only asked me to phone his wife at home to communicate!
Finally, the bill on the company name actually wrong word, completely collapsed!
This is a so-called nationalization of the bank's service and quality!
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17 Fuck / / 11 18, 2009 at 9:54 am
Bank of China, no credit at all! Bank credit cards, no security to speak of!
Select Bank of China, you've just picked a time bomb! You open the Pandora's box, and slowly to bother it!
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18 garbage / / 3 3, 2010 at 5:42 pm
The word "rubbish"
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