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 (China Banking Regulatory Commission, referred to as: China Banking Regulatory Commission or China Banking Regulatory Commission).

How to complain about credit card violations

1. After applying for a credit card, there will always be problems with arbitrary charges. If you forget to repay, you will be charged high interest. I'm really angry and have nothing to say. How can I complain to the management department? The following is our topic today, I hope it can help you.

2. Find the credit card issuer. If you find any arbitrary deductions when using your credit card, find the card issuer as soon as possible to report the problem. Take the initiative to keep all consumption records and information on arbitrary deductions. Contact the bank customer service and explain the situation to solve the problem.

3. The Banking Regulatory Commission has family rules, so state-owned banks naturally have a Banking Regulatory Commission. You can make your complaint by calling the hotline 12378. You can also make a written complaint directly to the local Banking Regulatory Commission, which requires a real-name complaint. After receiving the complaint, it will be reported to the bank for processing.

If the cardholder fails to repay the minimum repayment amount before the due payment date (inclusive), a late payment fee will be charged based on a certain proportion of the unpaid portion of the minimum repayment amount. The rate of late payment fee is generally is five percent of the outstanding amount.

If the customer still fails to pay off the minimum repayment amount within the specified time, the system will automatically issue a collection letter or the collector will issue a collection letter based on the phone collection status of the account and the actual arrears. If the following circumstances occur, the bank will send someone to collect the debt:

1. The collection through letters and phone calls is invalid and exceeds the last payment date (overdue) for two cycles (60 days)

2. Unable to be contacted by phone or letter

3. Higher risks may be found in letter collection or telephone collection.

If the cardholder still fails to pay off the debt after collection, the card issuer may choose to take or take the following measures at the same time: stop the use of the credit card, stop the cardholder from using all the credit cards, exercise the pledge right and pursue claims from the guarantor. The cardholder can directly debit any account opened by the card issuer, etc.

If the following situations occur, the card issuer may file a lawsuit in court:

1. Other collection methods have failed, and the overdraft principal and interest exceeds 5,000 yuan

2. Mastering the deposits and other property information of customers who owe money must be frozen and judged by the court

3. If you are sued by your peers due to non-payment of debts, you must participate in the collection together.

I hope the above content will be helpful to you. If you have any other questions, please consult a professional lawyer.

Legal basis:

"Credit Card Business Management Measures"

Article 53 If a card-issuing bank has any of the following circumstances, it shall be ordered to make corrections by the People's Bank of China , and impose a fine of 50,000 yuan to 300,000 yuan.

(1) Starting a 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.