CA是法国农业银行Credit Agricole的简称。2012年开的一个他家的网上银行账户(Credit Agricole Pyrenees Gascogne tookam direct)许久没用过了。今年报税的时候专门费劲找出登陆密码去查去年利息税的缴纳情况。为了在税单上填写这个仅有2位数的余额,足足多花了2天时间。

是时候进行断舍离了!


在法国申请关闭银行账户需要从邮局寄挂号信,这不仅是个古老的传统,也是现代法国人众所周知的常识。不过,我的这个账户是从网上开户的,没有通过柜台。现在要关户,我都不知道应该把挂号信寄到哪里去。于是先打了一下客服电话咨询。

结果,一打便有惊喜。居然不需要寄挂号信。客服说只要发电子邮件就可以了。
我喜出望外,立即按照客服指示准备相关文件。
    1,手写一份关户申请,签字,扫描。
    2,身份证扫描版
由于我账户中还有余额,关户的同时我希望把余额转账到另一个账户中去,于是又附了另一个银行账号。
3个文件备妥,当天就把邮件发出去了。真是创了我自己的记录。
原来我的拖延症也跟事情的麻烦程度成正比的。如果事情能很快解决,我的积极性和行动力还是可以略值得称道的。

第二天我就收到了邮件回复说关户已经完成。
第三天余额已经转到我另一个账户。一分不少,没有转账手续费。
第四天收到银行来信。信中附带一个已付邮资的大信封。
一应文件在需要我签字的地方均已用黄色签字笔做了标注,让人一目了然。
每份文件上还加盖了或者“返回exemplaire a retourner”,或者“留存a conserver”的印章。
我仅仅花了5分钟时间就阅读完文件,并在需要的地方签字,把需要“返回exemplaire a retourner”的装到了信封里。只待明天出门时顺道扔进邮筒里。

至此关户完成!!

相关重要文件装袋留存;无保留价值的立即销毁;关联账号也立即取消。从此少了一份惦记,少了一份案头工作的打理。一点点的轻松也很愉悦。

法国独有的,匪夷所思的,挂号信垄断地位终于开始慢慢的被网络冰封瓦解啦!!!一切坐在家中就办好。不但省时间还省钱。不需要跑邮局排队(节约30分钟),不需要花钱寄挂号信(节省5.35欧)。

以后办事之前都可以打个电话问问。肯定会有越来越多的行业愿意抛弃传统方式而接受网络的。毕竟是于他们于客户都有利的双赢方式。


这件事告诉我:

1,治疗拖延症的有效手段不是死乞白赖埋头干,而是寻找简单的办法。 办法足够简单,自然有动力。

2,哪怕是自己已经确定的事情,如果有合适的专业人士咨询(比如:客服),不妨打个电话再次确认。没准儿就有惊喜。



附申请关闭银行账户申请信:

Objet : clôture d'un compte

Madame,
Par cette lettre, je vous informe de ma décision de clôturer mon compte ouvert dans votre établissement, sous le numéro *********(账号).
A cet effet, je vous remercie de bien vouloir procéder en meilleure délais au virement du solde sur le compte bancaire n°**************************(账户), pour lequel vous trouverez, en pièce jointe, un Relevé d'Identité Bancaire.
Je vous prie d'agréer, Madame, mes salutations distinguées.

 

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