How to call the CCB Credit Card Complaint Hotline

To complain about the CCB Credit Card Center, you can call CCB’s 24-hour service hotline 95533, or you can call the 24-hour credit card customer service hotline. In China, :400-820-0588, overseas: 86-21-3869-0588.

The main business of China Construction Bank

China Construction Bank provides credit loans, resident savings deposits, foreign exchange business, credit card business, as well as policy housing reform finance and personal housing mortgage loans and other businesses. .

Personal housing loan business

Personal housing loan business refers to loans issued by China Construction Bank or China Construction Bank upon entrustment to natural persons who purchase, build, and overhaul various types of houses in cities and towns within the country. China Construction Bank's personal housing loan business mainly includes self-operated personal housing loans, that is, personal housing mortgage loans (including personal first-hand housing loans, personal re-trade loan housing loans, that is, second-hand housing loans, personal commercial housing loans, personal housing mortgage loans, etc.) , provident fund personal housing loans and personal housing portfolio loans.

Credit Card Business

As one of the earliest state-owned banks in China to issue credit cards, China Construction Bank already has many credit card types.

CCB Credit Card

The credit cards that China Construction Bank has issued are all named "Dragon Card". The types of Dragon Cards that have been publicly issued include: Dragon Card Prestigious School Card, Dragon Card Business Card, Dragon Card Car Card, China Eastern Airlines Dragon Card, Shanghai Volkswagen Dragon Card, Dragon Card Hong Kong Wonderful Travel Credit Card, CCB VISA Ming Card, eLong Changxing Dragon Card, Mango Travel Dragon Card, Dragon Card (Cup) Tennis Card.

Silver Star International Money Transfer

CCB Silver Star International Money Transfer Service is a personal international money transfer business jointly launched by China Construction Bank and Silver Star International Money Transfer Company. The customer entrusts Silver Star Express Company to handle personal overseas foreign exchange remittances or small-amount international remittances to remit personal foreign exchange funds overseas.

Bank cards refer to credit payment instruments issued to the public by approved commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposits and withdrawals, etc.

Bank cards reduce the circulation of cash and checks, allowing banking business to break through the limitations of time and space and undergo fundamental changes.

Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the card-issuing bank gives the cardholder a certain credit limit, and the cardholder can consume within the credit limit first and repay later. A quasi-credit card refers to a credit card in which the cardholder first deposits a certain amount of reserve fund as required by the bank. When the reserve fund is insufficient to pay, the cardholder can overdraw within the credit limit specified by the card-issuing bank.

12378 Is it useful to complain to the credit card center?

12378 complaints are very useful.

For example, if you encounter some problems with your insurance product, dial 12378 to make a complaint. After making the call, the staff will enter the caller's name, complaint, complaint and other information into the 12378 system, which will then be processed by the local insurance regulatory agency. In this way, complaints will be processed within 60 days, and consumers can protect their rights and interests. But whether it can be resolved depends on the specific situation. Generally, credit card issues still need to be negotiated with the bank.

What should I do if the bank disagrees with the overdue credit card installment negotiation?

The bank's normal credit card collection process includes the following processes:

First of all, the bank's own Collection Department.

At this stage, the bank will generally not negotiate with you and will require you to repay the loan in one go. At this time, it is recommended that you have a positive attitude, negotiate more with the staff, and then pay at least a little bit every month, at least to show your willingness to repay, rather than malicious default. However, the money returned at this time will basically become liquidated damages or interest will be deducted.

Secondly, if the collection department is unable to complete the collection work, the next stage is to outsource the collection company.

This stage should be the stage with the most problems, because the quality of the outsourced staff may be different, and some will use various means to make you repay the loan, or even panic. But don’t worry, all their panic has no legal effect. If the circumstances are serious and illegal, you can sue them. However, at this stage, they can generally help apply to the bank for exemption of liquidated damages and interest, which means you only need to repay the principal, and you can even apply for installments.

However, a special note here is that commercial banks are more flexible and can apply for exemption of liquidated damages and interest, but state-owned banks, such as the four major banks, are more difficult to apply for and generally require you to pay interest.

Finally, if the outsourced collection department cannot complete the collection work, the next stage is for the bank to collect the money itself.

Generally, banks will start at this stage, but this time they are serious about it, so when you reach this stage, you must pay attention, otherwise you may face legal proceedings. But the bank's ultimate principle is to let you repay, so they won't go if you can.

Which department should I contact for credit card complaints?

Credit cards are also a part of the bank's business and are under the jurisdiction of the China Banking Regulatory Commission. If you want to complain, you can go to the China Banking Regulatory Commission or the local People's Bank of China. You can make complaints in the following ways: 1. Complain to the customer service hotline of the bank's credit card center. 2. Complain to the bank’s customer service hotline. 3. Complain to the China Banking Regulatory Commission. Article 73 of the Commercial Bank Law of the People's Republic of China: If a commercial bank causes property damage to depositors or other customers under any of the following circumstances, it shall bear the interest for delayed performance and other civil liabilities: (1) ) Unreasonably delaying or refusing to pay the deposit principal and interest; (2) Violating the regulations on bill acceptance and other settlement business, failing to honor the bill, not allowing receipts and payments to be entered into the account, suppressing orders, suppressing votes, or refunding checks in violation of regulations; (3) Illegal inquiries , freezing or deducting personal savings deposits or corporate deposits; (4) other behaviors that violate the provisions of this law and cause damage to depositors or other customers. If there are any circumstances specified in the preceding paragraph, the banking regulatory agency of the State Council shall order corrections. If there are illegal gains, the illegal gains shall be confiscated. If the illegal gains exceed 50,000 yuan, a fine of not less than one time but not more than five times the illegal gains shall be imposed; if there are no illegal gains or If the illegal income is less than 50,000 yuan, a fine of not less than 50,000 yuan but not more than 500,000 yuan shall be imposed.

Which department should you contact for credit card complaints?

Credit card complaints can be made in the following ways: 1. Complain to the customer service hotline of the bank’s credit card center. 2. Complain to the bank’s customer service hotline (generally, credit cards are a sub-department of the bank and are under the jurisdiction of the head office). 3. Complain to the China Banking Regulatory Commission.

Legal Basis

Article 53 of the "Credit Card Business Management Measures", if the card-issuing bank has any of the following circumstances, the People's Bank of China will order it to make corrections and impose a fine of 50,000 yuan to A fine of 300,000 yuan. (1) Starting credit card business without approval; (2) Issuing IC cards or foreign currency credit cards without approval. Article 70: If a staff member of a special contract unit participates in bank fraud activities and constitutes a crime, he or she shall be held criminally responsible in accordance with the law. Article 71: If bank staff colludes with cardholders or special agencies to participate in fraudulent activities, which constitutes a crime, they shall be held criminally responsible in accordance with the law.

Is 12378 Complaint Credit Card Center useful?

Yes, 12378 is the focus of consumer complaints about banks and insurance companies. Under normal circumstances, if the credit card is overdue and the bank refuses to negotiate, you can reply by calling 12378. However, it is not illegal for the bank to refuse negotiation, and making a phone call is useless. You may be better off negotiating with the bank yourself. Things may get better. 12378 Negotiate with credit card but you still have to refund it anyway.

If you do not have the ability to repay the loan in full, and the bank does not negotiate, you can consult. The bank can divide it into 36 installments. Now it only has this ability, and ordinary banks can. As long as your amount is small, you don't have to pay full attention to your bank's non-negotiation clause, he says. Generally speaking, the bank requires you to claim about 50,000 yuan. He said the banks are state-owned and only the People's Bank of China oversees them.

:1. What should I do if the bank disagrees with the overdue credit card installment payment? A bank's normal credit card collection process includes the following processes: The first is the bank's own collections department. At this stage, banks generally will not negotiate with you, but require you to repay the loan in one go. At this point, it is recommended that you have a positive attitude, consult the staff more, and then repay at least a little every month, which at least shows that you want to repay the money and are not maliciously breaching the contract. However, the money returned at this time basically becomes liquidated damages or deducts interest.

2. Secondly, if the collection department cannot complete the collection work, the next stage is to outsource the collection company. This stage should be the most problematic stage, because the quality of outsourcing personnel may be different, and some will use various means to make you pay back the money, even panic, etc. But don’t worry, all their scares have no legal effect, and if the circumstances are serious and involve breaking the law, you can stop them.

3. However, at this stage, they can generally apply to the bank for exemption of liquidated damages and interest, that is, they only need to repay the principal, or even apply for installment payment. However, here is a special note. Commercial banks are more flexible and can apply to deduct liquidated damages and interest. However, state-owned banks such as the four major banks are more difficult to apply for and generally require you to return the interest. Finally, if the outsourced collection department cannot complete the collection work, the next stage is the bank itself. It is at this stage that banks usually start, and this time they are serious, so pay attention when you get to this stage or you may face legal action. But the bank's ultimate policy is to make you pay it back, so if they don't, they won't.

4. In short, if you have a credit card debt, try to keep the phone open, have a positive attitude, don't answer the phone, and then pay more or less every time, so that even in court, it will not constitute a credit card violation. crime. But once you owe money on a bank credit card, your credit information will be affected, so try not to default on your credit card and maintain rational and objective consumption.

That’s it for the introduction to the Complaint Credit Card Center.