It is useful for the Banking Regulatory Bureau to intervene in the credit card to negotiate the repayment amount. The premise is that the bank has violated laws and regulations, such as violent collection or exposure of address books. These are violations. At this time, you can contact the bank Negotiate how to repay the loan. Next, let’s take a look at the phone number for the Banking Regulatory Bureau to intervene in credit card repayment negotiations! Is it useful for the China Banking Regulatory Bureau to intervene in credit card repayment negotiations?

It is still very useful. According to reports from many cardholders, after filing complaints with the Banking Regulatory Bureau, bank staff will basically receive calls from bank staff the next day to communicate and negotiate with users on repayment matters. But at the same time, it should be noted that this success rate is not 100. After some users complain, the China Banking Regulatory Commission will respond and let the users communicate with the bank themselves. The China Banking Regulatory Commission itself will not participate in the negotiation.

Therefore, users are advised to be fully prepared when making a complaint. First, in terms of materials, can you explain the unreasonable aspects of the bank? Second, the appeal must be reasonable. For example, the normal part is exempted, but some users request to be exempted from all fees and only repay the principal. It is very difficult, and the Banking Regulatory Bureau may even intervene. The bank will basically not agree.

Users need to remember that the CBRC mainly coordinates applicants and banks for supervision, rather than directly determining the results. Be patient during this negotiation process. The China Banking Regulatory Bureau intervenes in credit card negotiation and repayment phone calls

The China Banking Regulatory Commission and the China Insurance Regulatory Commission merged into the China Banking and Insurance Regulatory Commission, so credit card complaints are now directed to the China Banking and Insurance Regulatory Commission. The following is the complaint phone number for petition consultation:

Petition consultation Telephone: 010-66279113 (working days 9:00-11:30, 14:00-16:30)

Banking and insurance consumer complaint and rights protection hotline: 12378 (working days 9:00-17:00) )

Insurance illegal behavior reporting hotline: 12378 (working days 9:00-17:00)

It can be seen that if you want to complain to the bank, just call 12378.

However, many people say that it is difficult to get through the phone number of the China Banking and Insurance Regulatory Commission. If you want to complain to the China Banking Regulatory Commission about a bank, it is best to submit a letter in writing and list the target of the report in detail; the report incident process and nature; relevant evidence; name and contact information of the whistleblower, and attach a copy of the whistleblower’s ID card, etc. Is there any way to negotiate the principal repayment of the money you owe on a credit card?

I personally suggest that if you want to repay the principal, call the bank customer service and someone will contact you. Remember to make a recording and leave a record as evidence. As long as the customer service staff promises you It's okay to repay the principal, as long as there is evidence. After repaying the money, just ask about the expiration of the reduction and exemption and the card cancellation process.

Don’t believe in the 70 commercial bank management regulations. Since banks are profit-making institutions, they are not obligated to give you the principal in 60 installments. Don’t get carried away! In addition, even if the bank allows you to make 60 installments, your overdue record during the re-installment period will be reported to the People's Bank of China as a negative record, and our credit report will be restored after 5 years after the payment is settled. 5 years plus 5 years is 10 years. How many 10 years of life can be wasted? Regardless of whether the debt collector gets a commission or not, the money comes from the bank and has little to do with the debtor. Don’t be fooled by the so-called asset restructuring masters. It’s not worth becoming their leek!