Data released recently by the Xicheng District court in Beijing showed that the credit card dispute case handled by the hospital has increased 50 times over the past 9 years, accounting for more than half of the total number of commercial cases.

Some of these consumers are over consuming or even malicious cash, and so on. However, the root causes of the problem are the issuing of credit cards by banks, arbitrary fees and undisclosed obligations.

As a highly specialized financial product, from the design of credit card products, to the formulation of standard contracts, to the issuance of credit, and even after disputes, consumers are brought to court. The bank's strong position and discourse hegemony are all the way from beginning to end.

Consumers who are in a weak and passive position are often trapped in ignorance and ignorance.

Over the years, banks have been struggling to pursue the number of card issuers and increase business fees, but they have not been able to work hard to regulate services and control risks.

While promoting credit cards, banks vigorously publicize good news such as gifts, annual fees and interest free periods, but there is no detailed explanation of the corresponding obligations and risks that consumers may face.

On the one hand, banks earn money from credit card business; on the other hand, they leave many problems for consumers to bear.

For example, part of the arrears should be paid according to the full penalty rate, and the charges for overcharged deposits should be charged. The installment payment is known as interest free, but in fact, the fee is much higher than the interest rate. The sleep card charge causes consumers to be included in the credit blacklist and so on, which seriously damages the legitimate rights and interests of consumers.

As a credit based

Credit requirements are not only for consumers but also for banks.

If the former does not continue to fail to speak credibility, then the latter will not give full disclosure obligations or strict scrutiny, or even send credit cards to applicants with unqualified qualifications. They will continue to take the initiative to raise the line of credit, and disguise the temptation to indulge consumers' overdraft, which is also a breach of faith.

No stern

There is no regulation.

At present, there is a severe disciplinary mechanism for consumer credit cards overdue.

So, for banks to issue cards and collect fees randomly, it is also necessary for the regulatory authorities to increase their disciplinary strength. Similarly, the legislature needs to study laws and regulations to strengthen the restrictions.

This is not only a responsibility equivalence, but also a solution to the mess of credit cards.

Without sufficient competition, there will be no improvement.

The appearance of credit card chaos is caused by market competition. It is actually a malformed development in a market that is not fully open.

It is precisely because the banking industry has access threshold and monopoly that banks can master such discourse hegemony.

With the further advance of financial reform, more subjects and funds will enter the banking industry. When the banking industry needs to find ways to serve good customers, the hegemony of banks will be another way.