Since the university has ID the future, they've always wanted to do a credit card four major state banks, first name of the state trust in a higher, and second, taking into account the convenience of a small county repayment third, taking into account the scope of use might be is superior to other commercial banks.
Until there is time, to verify your Moneybookers account, and China Merchants Bank credit card can not be verified, I think of 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, and went to network applications, network said that since the company well-known is not high, the need to provide a copy of a company's business license can be handled. I thought then depressed, then the staff said that if there are other bank credit card that, with the recent statements can be handled.
I was on silent: the other banks, such as people's livelihood, Societe Generale, credit card application is very easy. That is not very easy to have their credit card apply for a Chinese bank's credit card? Why then added to the business license prior to a copy of it?
I have a China Merchants Bank Credit Card has been two years, and credit cards are also upgraded to a Gold Card. So I submitted a recent credit card bills. More than a month after the credit card batch down. And a week later, I decided to cancel the Bank of China credit card.
1. Can not be online payment
E-commerce so popular, while the Bank of China credit card can not conduct online transactions. Including the payment of treasure, etc. do not support. Asked customer service, customer service said that in order for customers to use card security ... ...
2. Repayments is extremely troublesome
The 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 debit cards, automatic repayment. The counter payments are not real time Daozhang, and takes 2-3 working days. And the provinces must pay the fee payment. Debit card payments can only be bound automatically choose the lowest payment or full payment. Flexible repayment amount can not be controlled. Bank deposit machine already extremely scarce, and the customer service can not reply to deposit machine credit card repayments.
3. Is not a true credit card
Now the Bank of China made the Olympic advertising cards, general credit card processing refer to BOC Card, BOC card is quasi-credit card, not a real credit card. But the real credit card is the BOC Great Wall International Card, issued by the Hong Kong Bank of China. Online Inquiry Office of the Bank of China Great Wall International Card is extremely troublesome. Required margin.
4. There is no Internet Banking
Bank of China's online banking has also done extremely rough. Because individual needs, I demand a pass to my application for an online bank, made a E-token (password e-card) give me 20 yuan a year, only use for three years. Free in the first year costs. After the discovery into the little landing, but very friendly interface. I am prepared to sell cards in the credit card after the opening of this section, the Advisory Service is currently not associated with credit card. I do not know that it can not associate to stay in-house testing we're OK, so why come out?
5. Customer Service is extremely difficult to connect
Bank of China is difficult to connect a telephone customer service, basically we have to wait for more than 10 minutes. This is China Merchants Bank and Bank of Communications is rare. Finally connected, the operator is extremely unprofessional, the most silent is the accent is a serious northern accent. Note: Northern accent does not mean that Mandarin. Is the kind of Southerners have heard a very awkward or difficult to understand Mandarin.
Above are my personal point of view. In addition, the card-you will also have an attack criticized the Bank of China credit card articles, content, and I probably similar to address here.
Original Source: Oxygen level in the eyes of the world [http://www.w757.com]
This link: http://www.w757.com/435.html
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Tags: Bank of China, Credit Card
→ 20 comments
20 responses so far ↓
1 Wei child Do not Ha / / 6 22, 2008 at 7:32 am
Alas ...
Conservative
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Wang Reply:
May 30th, 2009 at 5:09 pm
1. Fewer outlets
2. Early work on weekends and holidays 4:00, do you really comfortable. China Merchants Bank, under 6:00
3. Repayment of 10 people have to wait for the counter 1 hour, the same number of China Construction Bank will not be more than 20 minutes
4. Integral to the gift bad
5. Credit should be upgraded with the fraud they are, and I do not play with them a
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Two oxygen layers / / 6 22, 2008 at 9:48 am
Is not a conservative, but backward.
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3 Wei child Do not Ha / / 6 22, 2008 at 12:32 PM
哈哈.. a bit like here, the former state-owned enterprises ..
Because they do not update the generation of technology, management team, went out of business ..
However, the possibility of collapse in a very tiny silver
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4 oxygen layers / / 6 22, 2008 at 12:50 PM
China's market has not fully open. Even if open, but many state-owned enterprises, or on behalf of the wages, as well as fund-like enough to feed the waste banks.
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5 spirost.wan / / 6 23, 2008 at 2:49 pm
I am working, I do not do credit cards,
Personally feel that do not have access,
However, I does have a girlfriend, is China Merchants Bank's ~!
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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Eight oxygen layers / / 6 24, 2008 at 2:01 pm
Encountered n times what it
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9 Li Bin / / 7 16, 2008 at 9:20 am
China Merchants Bank is still good.
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10 lweskdf / / 11 12, 2008 at 5:12 pm
BOC Credit Card
1,2007 years in September not stand up to the Bank of salesman to sell, the Bank organized an Air VISA credit card.
2, credit cards are sent by EMS, the spot on the ID card on the spot sign of. Password should be send separately.
3, now more than a year, I played N times phone, asking them to send passwords, each time speaking send, and every time I have not received your password, send back what I asked, and speak. . . Ping the letter! I speak. . . 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's password.
4, for fear of not careful, credit cards missing. . Password + signature. . . Did not receive your password. . . Had no choice but to use every time out credit cards, mobile phone call. . . Cancel password settings. . . BOC Credit Card calls. . . Sometimes it is really hard to get through (human services). . That Jia. . .
5, I used the credit card so many times. . . One of the bills are not received, each post-consumer, and when I remember what the money went to Bank of China also. . . . Every time I called asked. . Why did not receive the statements. . . They are just asking Tongxun your home address change has not changed. . . I have talked about N times not changed. . . Or do not receive statements. . . Do you think ordinary people have no place to spend money. . . Today, a change in home address to buy a house tomorrow and then spend money to buy a house, a change in address ah? ? ? ? ? ? ! ! !
6, each consumer has a cell phone text messages to inform, but why every time when the repayment can not be notified about messages. . . To what and when to how much further out? ? ? ? ? ? ! ! ! !
7, the Bank of China today to pay back the money. . . Would like to ATM machines to check. . . Can not check. . . Asked the counter staff were also not able to identify a specific number of accounts? Generate much interest? Question to the end. . . Answer is, only to call. . . Then make your call. . . . Finally get through labor service. . . . Also check how much interest do not arise out. . . . Stresses can only give them about the amount of money, I say, I have to back a credit card. . . You do not speak a specific amount of money. . . If I save more. . . Credit Card also withdrawn. . . I have extra money to play who is going ah? ? ? ? ! ! ! ! Is really a bunch of SB. . . . What is bad credit card! ! ! !
8, the password can not receive, the bill does not receive. . . . Still excuse, I really lost confidence in them, and I no longer believe them. . . I have proposed a back credit card, they speak only the phone back, I asked a retired credit token? Answer: No! Q: Can send text messages warning of the do? Answer: You can not! All the evidence in your Bank of China, I have the evidence available. . . If your work is not serious. . . . Now say I have retired completely. . . A speech after his retirement a few years. . . . I need to pay an annual fee. . . I need to pay interest. . . Where I unreasonable to ah. . . What evidence is there, I went to court? ? ? ? ! ! !
Sell credit cards, talk about what is good. . . Credit card after the change of sign for a service. . . Change of a pair of face. . . . Is just awful. . . After also believe that you speak to him? ? ? ? ? ? ?
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11 William / / 12 16, 2008 at 4:59 pm
Bank of China did not expect the service is that, very angry! ! !
The wages of our company into the Bank of China debit cards, I have to do in order to facilitate the repayment Chang Olympic 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 to remind , so I thought not yet to the repayment date, the results up to the final date has been withheld from interest.
I called customer service, and its not like the tone of the rhetoric took hold chamber and say that message has already been made, I let him 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 accept.
In short, the management of state-owned banks really have a big problem, and now at every turn of this fee that fee income is simply. . . . ! !
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Oxygen layers Reply:
December 18th, 2008 at 9:13 pm
Haha, we work together to 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 there is no password letter, first cancel the password function. With the card, I feel that no password is difficult to use, not ATM withdrawals, so to counter a password reset (which most banks can apply for business), the counter staff told to be there to handle the business branches They erroneously believe that is the case, an hour by car to reach the so-called branches, that she was told that the business that they can not apply for a branch, call me direct broadcast credit card customer service, and then they were told not to call reset, only fill Send password letter, probably a week or so. The night before the first month of repayment, the repayment of money transferred from his line and found that can not be transferred (now the majority in support of the business card, so I thought that could change), so I hit customer service, and then to listen to the crew was very blunt to tell I could not turn, I ask that you tell me where automatic teller machines, I went to deposit (for granted that, their card machine was also kept their own deposits do not go)? The results, unfortunately, answer the officer said that does not support deposit machine deposits, wow thiophene, there is no mistake, finally, I asked how can repay it in the end ah, she said you go to the counter to deposit, or with the Bank of China Card transfer it, I said, I have to go to work during the day, how to save, Nanbu Cheng did not leave to go to work keeping the ah, the next million may not go and I called a friend deposit. The second month, full of customer service, said that the cards can be transferred with the Bank of China repayment bar, they find time to follow the above Chang Bank debit card, just busy this month examination, nothing care, on to the repayment date has not yet remembered repayment, secretly glad to do the debit cards can be used to transfer payment, the results do not literally change the past, then fight credit card customer service and told me to play the local Bank customer service, pushed me out, I resort to the Bank customer service, told me that can not be transferred, I said why, he told me that this card is not be transferred, asked me to ask the credit card customer service, his mother, and again I launched to go resort to credit card customer service, I would asked me last month that called asked the Bank of China said that debit cards can be transferred repayment ah, the answer I said "Yes ah, but be transfer Caixing counters," You only say now that I am now unable to repay the , then I would overdue, and my credit back to how, I have inside what would happen in phases. The answer is you do not worry about credit no problem, but have to pay late fees, his mother let me in on what basis to pay late fees ah, but also I do not worry. I said, I must emphasize that last month's record, in the end to see her make a mistake, or if I had got it wrong, the result again makes me wait for five minutes, he heard that their staff no problem, I said that I have not heard it, how would you say the operator alone, he said he was sorry that our recordings are not externally, fart ah, not to the customer to listen, why you recorded it, how do I know you did not cover up an internal employee, right, this is what the Overlord Terms ah kept alive the popularity of the officer that if you do not believe you can go to court sue us, your grandmother, you, as the Bank of China when everyone is so rich ah, I would not even listen to recordings are not listening, how sue ah, When I reported the case to hear the tape probably do not know how much money to spend, you will be to seize the money with you in our small people can be so consumed with impunity, the Bank of China is the worst, worst, most shameful of the most arrogant bank ! ! !
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14 La La Love / / 1 8, 2009 at 2:17 pm
Sensible point of Kazakhstan, I have already written off the BOC, too much garbage, and also a section can be wearing them. Customer cattle with * thought it was Bush then, I will no longer play with you bunch of rogue, and this total 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 an international card spending online can also be handled through paypal if the international card, then the Bank can still apply for a general, if the online consumer and do not leave the country is no need to use the card fully quasi-credit card processing debit card processing can be an ICBC Also OK
So how do you use to see the
If
1, to leave the country use and consumption, and then arranged with the web of international
2, it is necessary to go abroad but do not use the online consumer can do an international or quasi-credit
3, if you do not leave the country and online consumer to apply for debit card
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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 in Suzhou, the Bank of China organized a personal credit card and a supplementary card. At that time is set with a password consumption, but consumption of a certain time in Hefei, the salesperson just ask me to sign. I asked: Can you confirm that the signature card owner do? The other answer is: Anyway, you can be signed. Speechless! If the card is lost the consequences would be unimaginable!
Is a bunch of garbage while the emphasis on users of credit, and putting away their responsibilities and conduct at the Cloud Nine, in the cumulative period of about six months after the card back without hesitation!
Not yet finished, to handle all of the credit card back, but also often received the bill, saying it was what the fee payment fee, a meeting to provoke anxious grandfather, and played a two-hour rave, then there will be no. But the subsidiary card (his wife holding, it has been useless) of the bill remains Gesanchawu coming to, but also what the card costs. Strange, at that time had the subsidiary card is to comply with the main card, including consumer loans, if there are overdue, the main card to be held responsible, how the main card is now the Vice-card write-offs still? And I was also asked Vice-card ah be written off.
Just checked the phone for a long time personal information, that there is no Vice-card records, another strange! Since the system does not, how out of monthly bills? Eventually, his wife, I asked my home telephone communication!
Finally, the bill on the company name actually wrong word, completely collapsed!
This is a so-called state-based banking service and quality!
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17 Fuck / / 11 18, 2009 at 9:54 am
Bank of China, there is no credit at all! Bank credit card, there is no security to speak of!
Select Bank of China, you mean the election of a time bomb! You will be opening a Pandora's box, and slowly go to trouble Bar!
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