12378 complaining about the acceptance of credit card negotiation repayment. 12378 is actually a complaint telephone in China Banking and Insurance Regulatory Commission. Cardholders can appeal by dialing 12378 after failing to apply for repayment through negotiation. After the appeal is successful, China Banking and Insurance Regulatory Commission will give cardholders a special negotiation number inside the bank, and the cardholder will have a higher pass rate when calling this negotiation number for negotiation than with the official customer service of the bank.

Precautions for Complaint

When the cardholder calls 12378 to lodge a complaint with China Banking and Insurance Regulatory Commission, the words and reasons of the complaint are very particular. The cardholder must explain his overdue reasons and special circumstances to China Banking and Insurance Regulatory Commission. Only when the provisions of Article 7 of the Measures for the Supervision and Administration of Commercial Banks are met can the cardholder conduct related matters with the bank about personalized staging.

At the same time, before appealing to China Banking and Insurance Regulatory Commission, the borrower must call the customer service phone of the bank to consult and negotiate the repayment. If the customer service of the bank informs the cardholder that there is no such business or refuses to communicate with the cardholder. The cardholder can make a recording, and then go directly to China Banking and Insurance Regulatory Commission to lodge a complaint.

in most cases, as long as the cardholder meets the conditions for overdue repayment through negotiation, the bank must sit down and negotiate with the cardholder. But now many banks will refuse to negotiate repayment with cardholders in order to make profits and reduce costs. At the same time, borrowers must call the bank's customer service number to consult and negotiate repayment before appealing to China Banking and Insurance Regulatory Commission.