Complaint app: Is this in China to treat the customer?
It can be automatically renewed after the entire depositary is expired. And there is no such treatment, not only does not contribute to the interest rate and automatically turn to a period of time or to regular, and that it is not necessary to bring the ID card to the counter to line up, in the zero Before you go to your dates, you will not be interest! (After the actual handling, it is found that online online customer service staff is not professional or not careful. In fact, it is not to bring an ID card (in Shenzhen). It is also possible to calculate the interest before the date of handling, and will save with zero Interesting interest together: p)
However, the teller machine does not support direct deposits, and it can only be opened. According to online online customer service staff, I said that I have supported the terminal machine, but I looked at it yesterday, I found that I can only query and can't transfer it! Re-interrogate, get the answer is the old system support, the new version is no longer supported, and Shenzhen is using the new version, sweating, ~~
BTW, after the completion of the interest, only half of the amount of interest, only about half of the annual interest rate: (asking know, all banks are calculated: Interest = accumulated interest rate × day interest rate, ie interest = The daily account balance accumulates a number x annual interest rate / 360. So, there is a skill, which is to send a salaries, try to save it, because the interest is higher than the interest rate. However, the words come back, it is better to save For regular, anyway, the interest is not high (actually only 1.71% / 2 = 0.86%), and the development of the investment is supported by many regular deposits, and it is convenient, can be on the teller and online Direct delivery!
After my calculation, in the 1 year and 3300 yuan of 3,300 yuan (because there is no regular deposit in China, only 3 months): 1) Sex For 1 year, interest = 39600/2 * 1.71% = 338 yuan (actually maybe more dozens of dollars, if you do so early), the remaining 3 months is completely integrated = 39600 * 1.71% / 4 = 85 yuan, while still living for 3 months (3300 6600 9900) * 0.72 / 12 = 12 yuan, total is 435 yuan, relative to 39600 9900 = 49500 base, only 0.88% annual interest rate. 2) The first 3 months in the first three months in the whole deposit = 3300 * 2.25 * 3 = 222 yuan, followed by six months in the semi-annual total saving interest = 3300 * 2.07 / 2 * 6 = 205 yuan, Then the three months of the three months of the Sucalyptus total payment = (3300 3300) * 1.71 / 4 * 3 = 85 yuan, there is still two months after the expiration of the scheduled interest = (3300 3300 6600) * (2 1) * 0.72 / 12 = 24 yuan, finally there is still three months (3300 6600 9900) * 0.72 / 12 = 12 yuan, total 548 yuan, relative to 39600 9900 = 49500 base, there is 1.1% annual interest rate.
Sweat, for a long time, 50,000 yuan of this book only earned 100 yuan, dizzy ~ I don't know if my calculation is there, after all, the bank is more treacherous, see how friends are, huh, huh: p
Everyone can use this tool to calculate the loan interest: http://www.cmbchina.com/personal business/customer Service/datapublish/calculator.htm summary: Sentences to the most important words, China Merchants Bank is the most in all banks There is innovative vitality and best service, especially the current online online customer service is cool :) I hope that the development will further, actively reflect the proposal of our customers, and improve it as soon as possible!
