Yu Yuan from Los Angeles: Beware of banks "cheating" you without negotiating

Yu Yuan from Los Angeles: Beware of banks "cheating" you without negotiating. The author recently met a friend on the street, and he told me something he had personally experienced. He and his family...

Yu Yuan, Los Angeles: Beware of the bank “rip off” you without consulting. The author recently met a friend on the street, and he told me something he had personally experienced. It had only been a few years since he and his family immigrated to Los Angeles. The mailbox at his door was often filled with "enthusiastic" letters from many banks offering to open credit cards. At first, he was unmoved. Once, he passed by a Bank of America and saw an advertisement posted on the door. He knew a little English. The advertisement said that if you open a new checking account, you can get a gift of $100. This was too tempting for him who was cash-strapped. He walked in excitedly, and a male clerk (hereinafter referred to as A) received him attentively. With A's eloquent encouragement, he opened an online bank. A asked: "Do you want a monthly statement? If so, you have to pay a monthly fee." "No, I can see the balance anytime online anyway." To be cautious, he asked again, "Are there any fees for this account?" A said, "Absolutely not, don't worry." A readily agreed, "making an exception" to give him a few free checks, and stated that they would be mailed within two weeks. The friend waited for more than 40 days and didn't even see the sign of the check. He asked the clerk A, and clerk A pretended to be surprised and said, "What, you haven't received it yet? I'll place the order for you again." He waited and waited, and finally received the check. However, when he opened his account, he suddenly found that the bank had deducted 9 yuan from him. He hurried to find clerk A to find out, and clerk A said, "We made a mistake, and we will transfer the money back to you now." The next month, the bank "made a mistake" again and deducted 9 yuan from him. He had to go back again and waited for more than two hours before he got his money back. Also, he discovered that the bank gift to him was not one hundred dollars, but only 25 dollars. He reasoned with A, and A "explained": "If you opened the account earlier, if you open the account 15 days later, you can enjoy 100 yuan." My friend didn't know whether to laugh or cry. After struggling for several months, he closed his account. He said with deep feeling that the bank’s methods of “rip off” customers are: first, they lure customers to open an account with free cash and waived annual fees; second, they deduct customer fees in various ways from time to time and cannibalize customers’ money. Because most new immigrants don't know English well, and they work all day long, they don't understand, and they don't have time to queue up in a long line to ask for the ten or eight yuan. As a result, the blood and sweat of batch after batch of new immigrants fell into their cash boxes drop by drop. Dear friends, dear fellow countrymen, when you walk into the door of a bank, you must be wary of those handsome men and women who are neatly dressed in suits, shirts, skirts and ties. Their smiles hide their knives, "Zai", you didn't discuss it!