Don't let mobile phone packages become routine

I originally intended to offer a low monthly mobile phone package, but was inexplicably purchased a financial contract installment product for zero yuan purchase; Renewing family broadband, but mistakenly opening financial services such as microcredit and pre authorization freezing, it was not until there was a bad credit record or receiving a call from a financial company that I realized that I had been "tricked".

I originally intended to offer a low monthly mobile phone package, but was inexplicably purchased a financial contract installment product for zero yuan purchase; Renewing family broadband, but mistakenly opening financial services such as microcredit and pre authorization freezing, it was not until there was a bad credit record or receiving a call from a financial company that I realized that I had been "tricked"... When I applied for communication services, I unexpectedly took on a loan. These tricks behind mobile phone packages all point to the consumer finance business widely distributed by major communication operators in recent years.

After the real name system of mobile phone cards, operators not only hold a large amount of basic user information, but also have a rich data dimension, involving multiple aspects such as geographical location and bank card transactions. In order to expand the business landscape and improve profitability, operators have focused on deep development of user data value, and have entered the consumer finance market. They have launched businesses such as "zero yuan purchase" and "package free mobile phone" through offline business halls.

In theory, it is not inappropriate for communication operators to diversify their layout: consumers have lowered the purchase threshold and can also enjoy discounts such as telephone subsidies; Operators can maintain users' long-term online presence; Mobile phone manufacturers have increased sales; Financial services companies have acquired long-term customers. But the reality is that many salespeople avoid the heavy and only talk about package discounts, while being vague about the hidden risks. Faced with lengthy and complex format clauses, consumers are induced by sales personnel to enter passwords, sign, and take photos of their documents, but they do not know that they are signing a loan contract. They even unintentionally accept the agreement that "owing a mobile phone means the loan is overdue and credit is damaged".

The practice of communication operators saying 'you don't ask me, you don't tell me' undoubtedly infringes on consumers' right to know. The Consumer Rights Protection Law stipulates that consumers have the right to know the true situation of the goods they purchase, use, or services they receive. Business operators shall provide consumers with information about the quality, performance, use, and expiration date of goods or services, which shall be true and comprehensive, and shall not make false or misleading propaganda.

Operators expanding their business scope should be based on respecting consumers' wishes, clearly informing them of risks and benefits, and leaving the choice to consumers. The practice of concealment and concealment not only undermines the trust of consumers, but also has no benefit for one's own development.

For consumers, it is important to cherish personal credit and be wary of various so-called "free" and "low price" goods and services. Credit reporting is an important reflection of personal credit, closely related to matters such as purchasing a house, seeking employment, and obtaining loans. If it is found that it has been "tricked", it is necessary to actively seek help from relevant departments, stop losses in a timely manner, and safeguard one's legitimate rights and interests.

As a regulatory authority, we need to increase the intensity of law enforcement inspections. Although many business outlets have clear regulations on the process of handling business, there are often instances of discounts and deviations in actual execution. In this regard, regulatory authorities need to strengthen supervision and guide business outlets to improve work standardization, especially for agreements involving significant interests in standard terms. Sales personnel should strictly fulfill their obligation to remind and explain, and create an environment that allows consumers to understand and feel at ease with their consumption.

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