A few days ago I went to a bank to renew one of my fixed deposits. When I asked about the current interest rates, I was told that the counter rate was 3.1% whereas the promotion rate was 3.7%. I said of course everybody would choose the promotion rate.
前几天我到一间银行去，要更新我的一个定期存款。当我问及当时的利率时，我被告知普通利率是3.1%，促销利率是3.7%。我说当然每个人都会挑选促销利率。
No, the promotion rate is for fresh fund, said the bank teller.
不，促销利率只能给新进来的钱，银行服务员说。
Well, then I could just withdraw my money, walk out the bank and come in again; that would make it fresh fund. Do you want me to do that? I asked.
那么，我就把钱领了，走出银行再跑进来，这不就成了新进来的钱了吗？你要我这么做吗？我问。
Hearing my response, the teller turned to consult with her colleague, whom I suppose a superior to her.
听到我的反应，服务员转身请教她的同事，相信比她职位高的吧。
The superior thought for a few seconds, or pretended to do so, then he said, well, if you top up by a small amount, such as 10% of your original amount, we will let you enjoy the promotion rate.
这位同事思索几秒，也许作状的，然后说：如果你增加一点数额，比如10%吧，我们就给你促销利率。
I happily agreed and renewed my deposit.
我高兴地同意，并且更新了存款。
My afterthoughts regarding this whole matter:
关于这整件事，我事后的一些想法：
1. They first declared the rule as though it was rigid. If I fell for it, went home to bring in another big sum, that would be lovely, for them.
他们先把规则宣布成硬性规则。如果我相信了，回家去拿另一大笔钱来，那很好啊，对他们来说。
2. Once they noticed my resistance, they offered me a "kind offer" to top up by 10%.
一旦发现我的抗拒，他们提供了一个仁慈的折衷方案给我。
3. I accepted the offer, but in fact, if I insisted not to, they would allow me the promotion rate for my original amount too. This is because, as I said, I could just walk out and come in again, so why the hassle? And most importantly, it would offend me and I might walk out and NOT come in again -- there are other banks with probably more attractive promotions.
我接受那方案，但是其实如果我坚持不要，他们也会让我的原额存款享用促销利率。这是因为，如我所说，我大可以跑出去再跑进来，那又何必多此一举？而最重要的是，这会惹恼我，也许我跑出去却不再跑回来 -- 其他银行也有或许更吸引人的促销呢。
4. However, I did accept the offer, and quite happily. There was a reason why I patronized this bank in the beginning. It was much closer to my home.
不管怎样，我确是相当高兴地接受了他们的方案。当初我选择光顾这间银行也是有原因的；它靠近我家啊。
银行：加10%，全部110%都给你优惠。
简书：加10%，那10%有优惠，以前的100%没有优惠。
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