I have a spare amount of money on hand, and I don't need this money for a while and want to save it for a fixed time. Unexpectedly, a simple deposit almost bought a wealth management product by a routine. The process is quite complicated, and finally I was anxious to save money, and I was tricked again in the prize exchange, and in a fit of anger, I decisively took out all the money I just deposited, and I can't afford to play, so I won't play with you!
I withdrew a store, collected some cash, and thought that I couldn't use it for a while, so I wanted to save for a fixed time.
There is a bank along the street on the first floor of our community, and I brought a large bag of cash to deposit money for easy access and access.
At that time, there were already many people queuing up in the hall to get the number, and the lobby manager saw that I was carrying a heavy bag, so he came to receive me.
The lobby manager asked, "Auntie, what business are you handling?" I said, "Deposit." ”
The lobby manager asked, "Auntie, what kind of business do you have?" I said, "I want to save a fixed term." ”
The lobby manager asked, "Auntie, how much money do you save?"
I asked, "How much money do I have to save, and will there be any different treatment?"
Lobby manager: "Of course there are different treatments, do you think, 10,000 for a year, and 1 million for a year, can the treatment be the same?"
I felt that I had to ask a little more about my own vital interests. I asked, "What are the differences between saving 10,000 a year and saving 1 million a year apart from the different interest?"
Lobby manager: "Auntie, do you really save 1 million?" I said, "I don't have that much, I just want to know." ”
The lobby manager said: "There is a business called large deposits, which not only have high interest rates, but also enjoy no queuing for deposits and withdrawals, and are handled professionally by special personnel, as well as generous gifts." ”
Subsequently, I was taken to the VIP room on the second floor by the lobby manager, and a business manager was specially called to handle the deposit for me.
At that time, I was really flattered, it seems that saving 10,000 is really different from saving hundreds of thousands, and it is the first time I am treated as a VIP, and I am a little uncomfortable.
There are two people in the VIP room, one is an ordinary staff member, and the other is Manager Wang, who handles business for me.
The staff asked very enthusiastically: "Auntie, do you drink tea or coffee?"
I thanked the staff and said, "My house is in the back community, you are busy with yours, don't worry about me." ”
The staff had a standard smile service, and even though I said I didn't care, she politely put a cup of hot coffee in front of me and said, "Auntie, you use it slowly." ”
Next, Manager Wang asked me very politely about where I worked, what was my annual income, what other income was my salary, and what were the main members of the family doing?
Although his attitude was calm and his language was very civilized at that time, I just broke out in a cold sweat and felt very awkward.
I was just saving money, how could I feel like I was being interrogated? I immediately became alert because I didn't want to reveal all kinds of information about my family.
Manager Wang saw my resistance and said easily, we are just routine work, and simply ask.
I said, "You can know my personal information, but I don't need to share my family's information with you, right?"
Then, I said I didn't want to save here because I didn't want to be asked questions that weren't related to my business. Manager Wang didn't ask any further questions, but changed the topic.
Manager Wang said again: "Auntie, if these funds are not used for a while, they will not be deposited for one year and not for three years, and they also told me about the interest difference."
I thought that the money really wouldn't be needed, so I told him to save it for a three-year fixed period with a high interest rate.
Manager Wang didn't handle the business for me right away, but took another staff member.
He enthusiastically refilled me another cup of hot coffee and brought me the candy on the coffee table.
Then he told me that if this money is to be more profitable and wealthy, they have a better product here, which is more suitable than a three-year deposit, and the interest rate is very high.
Manager Wang emphasized that this is their internal product, which is only sold within the bank, and the family members of employees who handle this business are all employees, and this product is about to be taken off the shelves, and there are few places.
Manager Wang's expression was very mysterious, he went to the door to take a look, although there were only two of us in the room, Manager Wang still came to me and whispered: "Auntie, I see that you are so good, the age is about the same as my mother, my family is from other places, seeing you is like seeing my mother." ”
Manager Wang whispered directly across from me, the expression on his face was very rich, and I was a little confused for a while. The young man in front of me was really about the same age as my son, and my mind drifted away at once, thinking of my son who was far away.
But the wisdom of the businessman made me come back to my senses immediately, I just simply saved money, how can I be so mysterious, the door is closed, and the voice of speech becomes quieter?
I immediately became vigilant, and I said to Manager Wang: "It's so convenient now, even if you are on vacation in other places, you can go home, and you can also video with your mother every day." ”
I've been playing a small drum in my heart: handling the deposit business is his job, why is he still playing the emotional card, is it necessary?
I said to Manager Wang: "Please make a deposit for me as soon as possible, I am very busy and have something to do." ”
Manager Wang continued the previous topic and said: Auntie, this wealth management product I want to tell you is headquartered in Beijing, which is much more suitable than saving for three years.
The product counter does not sell at all, only our internal staff have a quota, I just look at you very kindly, and I want to give you this quota.
Auntie, you see that you know a lot of people in business, and then introduce me to someone who saves the same product, so that I can give you more prizes.
I finally understood, I want to deposit a fixed deposit, what Manager Wang said is not a deposit, but a company's wealth management products, which is obviously a routine!
I said resolutely: "Manager Wang, I don't buy any financial products, I just want to deposit a fixed deposit, I don't want to have much interest, just to put it here is safer, please go through the deposit procedures for me immediately, if you can't do it, I will go to other places to deposit!"
Manager Wang still didn't give up, he took a piece of paper and began to calculate for me, what is the annual interest rate of this financial management and what is the annual income.
How big is the strength of the company, what is the market value, if you handle the business, you can also go to the headquarters for free to visit for three days, the company's leaders reception, live in a five-star hotel, eat high-end restaurants.
Manager Wang's cake is getting bigger and bigger, and the more he talks, the more unreliable it becomes.
I hurriedly stopped him: "Manager Wang, let me interrupt you, while I haven't lost myself yet, while I'm still sober, you can hurry up and get me the deposit." I just have hundreds of thousands of dollars, this is my family's net worth, I don't dare to make a mistake, and if something goes wrong, it may take a life. You don't have time to do it, I'll go to the counter to do it, so I won't bother you. ”
I picked up the bag, stood up and left, Manager Wang's attitude immediately changed, he looked at me and said, "Please wait a while, I will handle it for you immediately." And with that, he went out.
Then a woman in her 30s entered, and said politely: "I'm sorry to keep you waiting, Manager Wang is in a bit of a hurry, I'll make a deposit for you immediately." ”
The person who came in was also a business manager who claimed to be surnamed Li, I didn't mention anything, she quickly finished the business for me, I took the deposit receipt, and asked if there were any gifts?
Manager Li said: "According to the deposit amount, you can receive a barrel of oil, a bag of rice, and a paper towel. ”
I followed Manager Li to the prize area, but I saw a reminder board that said: If you deposit more than 100,000 yuan, the prize is an electric car.
I asked Mr. Li: Why don't you give me an electric car? Is there a problem with my deposit?
Manager Li said: "This activity was a few days ago, the activity has been stopped, and now there is only oil and rice. ”
I was sure that I would not give in, so I asked her: "The activity has stopped, your reminder board is still here, and the electric car is also here, who are you fooling?
Manager Li defended: "The electric car is indeed gone, and what is placed here is a display piece. ”
I said, "Okay, I'm going to get the money, I'm not saving it here, it's too deep and it's scary." ”
Manager Li immediately said: "Auntie, don't worry, I'll ask for instructions and see if I can give you an electric car." ”
Manager Li went to call, but I didn't want to deal with them anymore, so I went to the counter and asked to take out all the money I had just deposited.
The teller said that you need to make an appointment in advance to withdraw large deposits, and now there is not so much cash, you can make an appointment today and withdraw it tomorrow.
I said, "I haven't deposited for more than ten minutes, how can I have no cash? Now you can withdraw the money for me immediately, or I will complain about you." ”
The teller was still there, and I took out the phone and said I was going to call the police, and the teller took out all the money for me.
Walking out of the door of the sales department, a round of the sun shone in the sky, I was dizzy and almost fell, and there was a feeling of escaping in a trance.
I sat on a bench under the tree for a while before slowly walking home.
I'm just saving money, why did I go through such a tribulation? Fortunately, I still kept a sense of consciousness, otherwise, what would be the consequences waiting for me?
I shuddered at the thought of this, collapsed on the bed, and slept for an hour.
Through this deposit experience, I would like to remind everyone that try not to let the elderly at home go to handle it alone, and it is best to do it accompanied by children.
If the elderly in the family have made a deposit, it is best for the children to ask to see if the old man has handled the real deposit, so as not to be tricked.
(Author's statement: All my works are the original debut of @Xin's Time Inn Headlines, and the whole network has been opened to protect rights, and the handling must be investigated!) The picture is from the Internet, and it is invaded and deleted.
#头条创作挑战赛#