揭露手機(jī)運(yùn)營(yíng)商額外收費(fèi)的七大秘密!

　　The two-year contract is essentially dead, andcarriers have replaced it with lots of confusing newways to buy a new smartphone. From financingplans to leasing options to early upgrade contracts,each new plan adds another layer of complexity tothe process of buying a smartphone and selecting adata plan. (And if you don't want to deal withfiguring out all the details, the most appealingoption is to buy your new smartphone outright.)Plans have gotten complicated enough that it's notalways obvious when you're paying too much forthe service you're getting, and there are far too many hidden ways for carriers to charge youtoo much when you're buying a smartphone or choosing a data plan.

　　兩年合約制已經(jīng)壽終正寢，貪婪的運(yùn)營(yíng)商推出了一系列令人眼花繚亂的購(gòu)機(jī)計(jì)劃。分期支付購(gòu)機(jī)計(jì)劃，租賃合約，以舊換新合約，消費(fèi)者選購(gòu)智能手機(jī)和流量套餐的過(guò)程變得越來(lái)越復(fù)雜(不愿意費(fèi)腦筋算數(shù)?直接買部新的智能手機(jī)就好了)。運(yùn)營(yíng)商靠著愈發(fā)復(fù)雜的購(gòu)機(jī)計(jì)劃隱蔽地從你身上多賺錢(qián)。這些家伙在提供合約購(gòu)機(jī)計(jì)劃和流量套餐時(shí)還有許多暗藏的賺錢(qián)手段。下面本文將為你揭露運(yùn)營(yíng)商額外收費(fèi)的七大秘密：

　　1.Adding hidden fees to your bills

　　1.將隱藏費(fèi)用添加到你的賬單上

　　Carriers have become notorious for adding unauthorized fees to your monthly bill, charging youfor services that you didn't sign up for or didn't even receive. As the FCC reported recently, thepractice, referred to as "cramming," has affected tens of millions of American households. Theagency noted, "Smartphones are sophisticated handheld devices that enable consumers toshop online from wherever they are or charge app purchases to their phone bills. The moreyour mobile phone bill begins to resemble a credit card bill, the more difficult it may becometo spot unauthorized charges." From service charges to voicemail fees, charges as low as adollar or two can appear on your bill for years at a time — which means that it's important tolook at your bill each month and ensure that you recognize all the charges.

　　運(yùn)營(yíng)商早已因種種各項(xiàng)未經(jīng)審批的收費(fèi)而臭名昭著，消費(fèi)者可能根本未曾享受過(guò)某種服務(wù)，卻仍要為此掏腰包。美國(guó)聯(lián)邦通訊委員會(huì)(FCC)近日發(fā)布的報(bào)告中將此行為稱為"植入收費(fèi)"，全美千萬(wàn)戶的家庭深受影響。委員會(huì)特別指出"智能手機(jī)屬于精密的可攜帶設(shè)備，消費(fèi)者可隨時(shí)隨地進(jìn)行網(wǎng)上購(gòu)物或支付其手機(jī)應(yīng)用上產(chǎn)生的費(fèi)用。倘若消費(fèi)者的手機(jī)賬單越來(lái)越像信用卡賬單，那么發(fā)現(xiàn)這些未經(jīng)審批的費(fèi)用也將越來(lái)越困難。"像服務(wù)費(fèi)以及語(yǔ)音郵件費(fèi)等等只有一兩美元的費(fèi)用如果數(shù)年間每次都出現(xiàn)在你的賬單上，那么你有必要檢查自己的月度賬單，確保每筆花費(fèi)都實(shí)至名歸。

　　2.Convincing you to pay for more data than you need

　　2.說(shuō)服你為比你需要的更多的信息買單

　　Data charges account for a large proportion of carriers' revenue, so many want to make surethat you're buying an ample amount of data monthly (though they don't mind when they get tocollect overage fees, either). Carriers' most valuable customers are those who pay more than100 dollars or even 200 dollars for their service every month, and companies are alwayswilling to upgrade to you to a higher-priced data plan. But before you increase your monthlybill to get more data, check out how much data you really use each month so that you canavoid paying for lots of data that's going to go unused.

　　對(duì)運(yùn)營(yíng)商而言，消費(fèi)者購(gòu)買流量多多益善，因?yàn)槭杖×髁抠M(fèi)用乃是收入的重要來(lái)源(盡管對(duì)套餐外流量進(jìn)行收費(fèi)后，這件事他們便不怎么上心了)運(yùn)營(yíng)商的金主就是那些每月愿意花上100到200美元購(gòu)買流量的消費(fèi)者。運(yùn)營(yíng)商希望消費(fèi)者升級(jí)自己的流量套餐。但請(qǐng)謹(jǐn)記，決定升級(jí)流量套餐前應(yīng)先確認(rèn)自己每月使用的具體流量，免得買了許多流量到月底卻用不完。

　　3.Charging more than the retail price for a phone via payment plans

　　3.合約手機(jī)收更多的錢(qián)

　　On plans that enable you to pay the cost of your brand-new smartphone over the space ofmonths or years, you should always calculate the total of those monthly payments and makesure that they add up. The total cost should match the retail price of the phone; if it'ssignificantly more than what the phone would cost to buy up-front, then you're paying toomuch for the privilege of paying for the phone gradually instead of all at once.

　　參與了合約購(gòu)機(jī)計(jì)劃，消費(fèi)者可以在幾個(gè)月或幾年內(nèi)分期付款購(gòu)買一部嶄新的手機(jī)。這時(shí)消費(fèi)者應(yīng)當(dāng)將每月付款額相加，計(jì)算一下能否得到相應(yīng)金額。付款總額應(yīng)與手機(jī)零售價(jià)相當(dāng)，而如果每月付款總額比直接買手機(jī)花得多，那么為了省錢(qián)分期付款反而得不償失。

　　4.Convincing you to upgrade to a new phone every year

　　4.說(shuō)服你每年升級(jí)一部新手機(jī)

　　Early upgrade plans, particularly those with short contracts, can be a good choice if you'vebeen upgrading to a new phone every year, and intend to continue doing so. But if you don'treally need a new smartphone each year, signing up for an early upgrade plan is a great wayto spend a lot more money than necessary. If you really want a new phone every year, itgenerally works out better to purchase your phone outright and sell it to finance the purchaseof the newest model. As with every plan offered by your carrier, you need to thoroughlyevaluate how much it's going to cost you in the long-term, and whether you'll really benefitby trading in your old phone instead of reselling it yourself.

　　"以舊換新"套餐，尤其是短期的"以舊換新"套餐，對(duì)那些每年要換新手機(jī)的人稱得上是上佳選擇。不過(guò)如果你無(wú)需每年都更換手機(jī)，參加這項(xiàng)計(jì)劃還真的是多花錢(qián)的好法子。若你想年年用上新手機(jī)，那就直接買一部手機(jī)，想換新機(jī)時(shí)再出手賣掉，再湊些錢(qián)去買新機(jī)。面對(duì)運(yùn)營(yíng)商提供的套餐，你應(yīng)仔細(xì)核算長(zhǎng)期成本，究竟是更換舊機(jī)更合適還是自己賣掉更合適。

　　5.Keeping your bill the same even after your phone is paid off

　　5.付清費(fèi)用之后繼續(xù)收取同樣的費(fèi)用

　　If you plan to buy a smartphone and keep it for longer than the period of time it takes to payoff completely, then you'll need to carefully read the terms of your agreement with your carrier.In some cases, your monthly bill will automatically decrease once you've paid off the retailprice of your phone. But in other cases, your carrier will continue to charge you the sameamount, even after you've had your phone long enough to pay its entire retail price. It's one ofthe most annoying ways that carriers can get you to pay more than you should.

　　如果消費(fèi)者在付清分期費(fèi)用后想繼續(xù)使用這款手機(jī)，便必須仔細(xì)閱讀協(xié)議條款了。有些協(xié)議規(guī)定消費(fèi)者在付清費(fèi)用后，每個(gè)月的費(fèi)用會(huì)自動(dòng)減少。然而其余協(xié)議則規(guī)定，即使付清了費(fèi)用，運(yùn)營(yíng)商每個(gè)月還是會(huì)繼續(xù)收取相同的費(fèi)用。此舉也是運(yùn)營(yíng)商最令人厭煩的多賺錢(qián)的方式。

　　6.Not matching deals and discounts on top smartphones

　　6.在頂級(jí)智能手機(jī)上沒(méi)有折扣

　　While it often seems easiest to buy a smartphone directly from your carrier, it pays toinvestigate whether you can find the same smartphone offered at a better price elsewhere.Promotions and discounts are offered both by smartphone manufacturers themselves and bytrusted retailers like Amazon, so it's worth a quick Google search to see if there's a better dealthat your carrier isn't matching.

　　直接從運(yùn)營(yíng)商處買手機(jī)是最方便的，可是花點(diǎn)時(shí)間去別處找找是否有價(jià)錢(qián)更合適的同款機(jī)型是有好處的。手機(jī)廠商以及像亞馬遜這樣信譽(yù)良好的零售商經(jīng)常會(huì)推出打折和促銷活動(dòng)。只需在谷歌搜索上輕輕一點(diǎn)，往往能發(fā)現(xiàn)在運(yùn)營(yíng)商那里找不到的優(yōu)惠價(jià)格。

　　7.Charging exorbitant early termination fees (and more)

　　7.收取過(guò)高的提前終止費(fèi)

　　Many carriers charge early termination fees when you want to switch carriers before yourcontract is up or your phone is paid off. Even if your carrier doesn't charge an earlytermination fee, per se, you should pay attention to the terms of your service if youanticipate having to switch carriers in the near future. If you're paying your phone off over aperiod of a couple of years, you'll end up having to pay off the remainder of its price all atonce if you leave your carrier early. That means that you should thoroughly investigate yourcarrier's coverage and service before committing to a plan that will keep you locked in.

　　如果消費(fèi)者在合約終止或付清費(fèi)用前想更換運(yùn)營(yíng)商，此前的運(yùn)營(yíng)商往往會(huì)收取一筆叫做"提前中止服務(wù)費(fèi)"的費(fèi)用。即使運(yùn)營(yíng)商不收這筆錢(qián)，將來(lái)有意更換運(yùn)營(yíng)商的消費(fèi)者也應(yīng)多加注意協(xié)議條款：如果規(guī)定套餐費(fèi)用在幾年內(nèi)付清，那么你不得不一次性支付所有剩余費(fèi)用才能更換新運(yùn)營(yíng)商。因此在選擇購(gòu)機(jī)計(jì)劃前，消費(fèi)者應(yīng)該徹底搞清楚運(yùn)營(yíng)商套餐覆蓋的范圍和提供的具體服務(wù)，否則盲目選擇的購(gòu)機(jī)計(jì)劃，終將成為自己身上的枷鎖。