? What does invisible consumption mean
? Merchants sell goods to consumers by some invisible means or sell goods that consumers don't need in disguise.
? There are many kinds of hidden consumption traps, such as discount traps of merchants, "coupon return" traps, "gift giving" traps, etc. The purpose of these methods is to make consumers spend more money. The way to deal with these traps is actually very simple. One is to restrain consumption, and consumers should buy what they need. The second is that consumers should not be greedy and cheap.
? Consumers are not informed of some hidden fees when they start some banking business. For example, when they run a credit card, there is a clause in a bank that "the clearing exchange rate between other currencies and US dollars generated by Party B's foreign currency settlement shall be handled in accordance with the latest regulations of international credit card organizations and Party A, and Party B agrees to bear all exchange losses, commissions, fees and charges arising therefrom." Among them, "the latest regulations" and "all fees and charges" are very vague, and the card holder automatically loses the opportunity to argue when he successfully becomes a customer. There are also some banks that do not set up product accounts or indicate the expiration date of products after selling products, which leads consumers to lose their contracts after purchasing and not know the expiration and income of products in time.
? There are two reasons why the invisible clause can be popular. One is that the institutions that provide products and services deliberately conceal it; The second is that consumers are indifferent when choosing. As the saying goes, details determine success or failure. Invisible clauses are not out of the contents of contract specifications, but are often ignored because of insufficient attention.
? How to complain about invisible consumption
? Negotiate by yourself. When consumers' rights and interests are infringed, if consumers want to safeguard their legitimate rights and interests, they can solve contradictions and disputes by negotiating with operators themselves, and safeguard their legitimate rights and interests in accordance with the provisions of the law, requiring operators to bear due compensation responsibilities.
? Reach a settlement. When consumers' rights and interests are infringed, if they sit down with the operators, everyone can talk about rights protection and compensation, and the two sides can reach a settlement agreement, and the contradictions between the two sides will be solved.
? Complain to the Consumers Association. When consumers' rights and interests are infringed, consumers can choose to complain to consumers' associations and expose these infringements, so that these illegal acts have nowhere to hide, and they can also regulate the behavior of operators.
? Consumers association mediation. When consumers' rights and interests are infringed, after complaining to the Consumer Rights Protection Association, consumers can request the Consumer Rights Protection Association to mediate, and the third-party regulatory agency will act as a regulator to safeguard consumers' legitimate rights and interests.
? Apply for arbitration. When consumers' rights and interests are infringed, if consumers and business operators fail to reach a mediation agreement or reach a settlement, they can apply to a commercial arbitration institution for arbitration, which will go through legal arbitration procedures and the arbitration commission will make a ruling to safeguard consumers' legitimate rights and interests.
? Bring a lawsuit to court. When the rights and interests of consumers are infringed, if consumers and business operators fail to reach an agreement on rights protection, consumers can bring a lawsuit to the grassroots people's court where the business operators are located, and use judicial channels to safeguard their legitimate rights and interests.
? Therefore, when consumers' rights and interests are infringed, consumers must protect their rights in a legal and compliant way, and do not let themselves become infringers from victims.
? The hidden consumption of catering has not been ordered, and it has been consumed for dozens < P >? Recently, Ms. Wang, a citizen of Shenzhen, Guangdong Province, complained to the Shenzhen Consumer Council that she and her friends were dining in a beef hot pot restaurant, and when they checked out, they found that 3 yuan money was charged for each tableware. Merchants said that "tableware is originally charged." The Municipal Consumer Council responded by saying that when operators use standard terms, they should remind consumers to pay attention to the content that they have a significant interest in, otherwise the content of standard terms will be invalid.
? From tableware fee to table fee, from tea fee to sauce fee, the reporter of Rule of Law Daily found that there are all kinds of hidden consumption in the catering industry. When ordering food, the store does not take the initiative to inform that it needs to be charged, but it is included in the bill when checking out. More than 21 people in Beijing, Tianjin, Zhejiang, Jiangxi and other places said in an interview that hidden consumption in the catering industry has a long history and is commonplace. I hope relevant departments will standardize and rectify it.
? How to complain about invisible consumption
? 1. Understand the Consumer Protection Law of the People's Republic of China. Only by knowing the laws and regulations on consumer rights protection in the Consumer Rights Protection Law can we better exercise our rights and fulfill our obligations.
? 2. Understand the product attributes before buying. For the types and specifications of goods. Performance, raw materials, structure, certificate of approval, factory date, consumption period, instructions for use, after-sales service and other information about the commodity itself, as well as trademarks, manufacturers, production places, distributors and other information about commodity producers and operators should be understood as much as possible.
? 3. Save the purchase voucher. After the purchase, the seller should be required to issue invoices, receipts or other written proof materials as far as possible, so that the claim can be effectively made when it is infringed.
? 4. Automatically negotiate with the merchants. When you find that the purchased goods do not meet your own needs, you should negotiate and communicate with the merchants at the first time, point out that your purchase purpose does not meet the product, and apply for replacement or return.
? 5, online shopping-seven days no reason to return. From March 5, 2114, for online shopping, the goods do not meet their own needs, and the buyer can return the goods for seven days without reason from the date of receipt. There is no reason to return the goods on the premise that the goods have not been opened.
? 6, 12315 rights protection. If the communication with the merchants is fruitless, you can call 12315 to defend your rights through legal channels. This approach is the most direct and effective way to find legal rights protection. Can give illegal businesses the most effective punishment. Before using 12315 to defend rights, it is best to keep valid vouchers of unfair transactions of merchants.