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福州一市民信用卡寄丢 还被催缴900元年费

2018-06-19 09:23:00 东南网 分享
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  东南网4月28日讯(海峡都市报记者 徐丰)“我连卡都没收到,还没开始用怎么就要交年费?”昨日,福州市民阮女士向海都热线95060来电称,在一银行办理了白金信用卡,但是卡片在邮寄途中丢失了,4月25日是年费还款期限,卡还没拿到,她却已收到了银行催缴年费的短信,“已经逾期2天,担心信用受影响”。

  对此,该银行有关负责人称,由于信用卡办理出现意外,即使没有交年费也不会影响征信记录。

  办了白金信用卡 1个多月还没收到

  阮女士介绍,她3月初在福州湖东路的一家银行网点,办理了一张白金信用卡,当时约定年费为900元,卡片办理好后,直接通过挂号信邮寄到她在北大路的住所。一个多星期后,银行通知她信用卡已经寄出,要她过几天去小区门卫查看,但她一直找不到信件。

  “我找到银行询问,对方说已经寄出。”阮女士说,无奈她又根据单号向负责寄件的福州市邮政局查询,开始客服告诉她该单号查询不到信息,在她反复确认后,对方又表示信件上地址没有填清楚,不知道目前信件寄到哪里去了。

  阮女士表示,至今她也没有收到信用卡,眼看一个月过去了,她已经错过了4月25日的年费还款期限,还收到了催缴的短信。阮女士认为,她还没收到信用卡,所以没有交年费,但她又担心会因此造成信用污点或者额外的滞纳金。另外,她还担心,这张白金卡额度很高,万一寄到了别人手上被盗刷消费,“那这笔钱岂不是要算在我头上”?

  邮政:地址或错了导致信件遗失

  昨日,海都记者先根据阮女士提供的单号向邮政客服查询,对方表示系统显示信用卡已经寄出,如果没收到,可能是当时银行登记收件的地址出现了问题,所以寄错地址导致信件遗失。

  随后,记者又联系了该银行相关负责人,对方表示,由于信用卡是总行负责办理并寄送的,目前哪个环节出错还在了解,但是可以向客户保证,由于信用卡办理出现意外,即使没有交年费也不会影响征信记录。另外,阮女士可以选择注销这张卡或者重新补办一张卡。为了防止被盗用,银行建议她先挂失这张卡。

  对此,记者也咨询了福建国富律师事务所的魏宝律师。他表示,如果信用卡没有寄到,那么市民就没有享受到权利,可以不缴纳年费。

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