It is still useful for the banking regulatory bureau to intervene in credit card negotiation on repayment, provided that the bank violates laws and regulations, such as violent collection or address book explosion, which are all illegal acts. At this time, it can negotiate with the bank on how to repay. Next, let's take a look at how much the banking regulatory bureau is involved in credit card negotiation repayment! Is it useful for the banking regulatory bureau to intervene in credit card negotiation repayment?

It is still very useful. According to many cardholder users, after filing a complaint with the banking regulatory bureau, the bank staff will basically receive a phone call from the bank staff the next day to communicate and negotiate with the users about repayment. But at the same time, it should be noted that the success rate is not 1%. After some users complain, the CBRC will reply and let users communicate with the bank on their own, and the CBRC itself will not participate in the consultation.

Therefore, users are advised to be fully prepared when complaining. First, in terms of materials, can you explain the unreasonable aspects of the bank? Second, the appeal should be reasonable, such as normal partial exemption, but some users ask for exemption from all fees and only return the principal, so it is very difficult, even if the banking regulatory bureau intervenes, banks will basically not agree.

users need to remember that the banking regulatory bureau mainly coordinates the supervision between the applicant and the bank, rather than directly determining the results. Be patient in this negotiation process. Banking Regulatory Bureau Involved in Credit Card Negotiation Repayment Telephone

The China Banking Regulatory Commission and the China Insurance Regulatory Commission merged into China Banking and Insurance Regulatory Commission, so the credit card complaint is now directed to China Banking and Insurance Regulatory Commission. The following are the complaint telephone numbers for letters and visits:

The complaint telephone number for letters and visits is 1-66279113 (9:-11:3 and 14: -16: 3 on weekdays)

The hotline for consumer complaints and rights protection of bank insurance is 12378 (9: -17: on weekdays)

However, it is said by many people that China Banking and Insurance Regulatory Commission's telephone is difficult to get through, and if the CBRC wants to complain about banks, it is best to make letters and visits in writing, and list the reporting targets in detail; The course and nature of the reported incident; Relevant evidence; The name and contact method of the informant and a copy of the informant's ID card are attached. Is there any way to negotiate the repayment of the principal for the money owed to the credit card

Personal suggestion: If you want to repay the principal, someone will contact you. Remember to make a recording and leave a proof, as long as the customer service staff promises that you can repay the principal, as long as there is evidence, just ask about the invalidation of the reduction and cancellation process.

don't believe that there are 7 measures for the management of commercial banks. Since banks are profit-making institutions, people have no obligation to give you the principal in 6 installments, so don't be biased! In addition, even if the bank promises you 6 installments, your overdue records will be submitted to the PBOC's bad records during the re-installment period, and our credit recovery will take 5 years after your payment is settled, and 5 years plus 5 years is 1 years. How many 1 years can you waste in your life? Regardless of whether the collectors have a commission or not, the money is from the bank, which has little to do with the debtors. Don't be confused by the so-called asset restructuring masters. It is not worth becoming their leek!