2. Complain to the bank customer service hotline.
3. Complain to the CBRC (China Banking Regulatory Commission, hereinafter referred to as CBRC or CBRC).
Legal basis: Banking Supervision Law of the State Council Banking Regulatory Authority Article 2 the State Council Banking Regulatory Authority is responsible for the supervision and management of banking financial institutions and their business activities throughout the country. The banking financial institutions mentioned in this Law refer to commercial banks, urban credit cooperatives, rural credit cooperatives, other financial institutions and policy banks established in People's Republic of China (PRC).
The operation of banks is supervised by the CBRC, especially some unreasonable violations. As China Banking and Insurance Regulatory Commission does not accept oral complaints, users need to make written complaints. Similarly, explain what happened clearly and leave your contact information.
Therefore, when users encounter unreasonable treatment, they can solve it through effective channels and safeguard their own rights and interests. Of course, as a cardholder, it is necessary to repay on time after using the credit card, which is the responsibility of the user, otherwise it is quite normal to fail to pay it back after the time limit, even if it is urged.