1. First of all, you need to know whether your situation meets the requirements of credit card interest refund, such as default due to force majeure, compound interest on unpaid overdraft amount, unreasonable service management fee, etc. 2. Then call the bank credit card center to apply for interest refund. If the bank disagrees with the application, it can call the bank or complain at the CBRC, and the overcharged interest can generally be refunded.

Guangzhou Bank is a joint-stock commercial bank controlled by Guangzhou Municipal Government. Established in September 1996+0 1, and headquartered in Tianhe District, Guangzhou, Guangdong Province. Formerly known as Guangzhou City Cooperative Bank, it was renamed Guangzhou Commercial Bank Co., Ltd. in July 2009 1998 and Guangzhou Bank Co., Ltd. in September 2009. Mainly engaged in banking and financial services. Guangzhou Bank was established on1June 65438+September 65438+September 07, 996. At that time, Guangzhou Urban Cooperative Bank was established on the basis of 46 urban credit cooperatives. 1July 1998, renamed Guangzhou Commercial Bank Co., Ltd.; In September 2009, it was approved to change its name to Bank of Guangzhou Limited. By the end of 20 19 and 12, the registered capital was 117.76 million yuan, and there were 123 branches, including1head office and 13 branches.