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The secrets banks will never tell you

2023-01-13 19:37:11Lifestyle SHKRUAR NGA REDAKSIA VOX
The secrets banks will never tell you
The secrets banks will never tell you

Here are some secrets your bank will never tell you, but that could make you a better customer.

Some insurance is useless

If you got a credit card from your bank, the banker may have offered you different types of insurance. According to experts, some insurance products are completely useless. This is especially true for credit balance insurance, which is very expensive and comes with a host of exclusions.

Not all borrowers receive the advertised rate

If you want to get a personal loan, beware of the bank's advertised fees. If you don't have a good credit report, you may not get the advertised rate and will have to settle for a higher one.

Checks after the date are not infallible

Some customers were surprised to find that their bank processed a check before the date written on it, resulting in penalties due to insufficient funds in their account. Generally, banks agree to refund their customers and cancel the check, but it's not always easy to get them to see it your way. You will probably have to spend a lot of time on the phone trying to explain the situation to your bank.

Bank employees have targets to achieve

Think your banker is your best friend? They have daily goals to achieve. The pressure to hit these targets may force some employees to offer their customers products they don't necessarily need.

Businesses also have to pay fees when you use your debit card

You're not the only one paying fees when you pay with your debit card, the business you're buying from does too. Fees vary by region around the world, usually a few pennies per transaction.

By the end of your mortgage, you will have paid a large amount of interest

Along with having to pay off your mortgage, you have to pay a significant amount of interest. For example, a $250,000 mortgage amortized over 25 years at a 4% interest rate will cost you $395,877.36.

Bankers are not always honest

Data theft, fraudulent wire transfers, fake debit cards, these crimes are becoming more common among bank employees, according to Brenda Fischer, chief of the Cyber ​​Crimes and Identity Theft Bureau for the district attorney's office. Manhattan.

Your bank may freeze your assets without telling you

Banks generally have the power to freeze your account or, in some cases, close it. They are not even required to give you notice.


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