Where to complain about the credit card problem

1. Complaint from the issuing bank

After all, no matter who you complain to, it will be solved by the bank in the end, so you should complain to the issuing bank as soon as you find out that the credit card is overcharged.

2. 21cn Gathering Complaints

This platform is a popular platform of complaints department, which has certain binding force on formal institutions. If you find that your credit card has been overcharged, you can register for gathering complaints and post a complaint on the platform after logging in.

3. China Banking and Insurance Regulatory Commission

used to look for the CBRC, but now the CBRC and the China Insurance Regulatory Commission have merged into the Banking Insurance Regulatory Commission.

credit card consumption is a non-cash transaction payment method, and it is not necessary to pay cash when spending, and the repayment will be made on the BillingDate.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards with a certain credit limit within which the cardholder can spend first and then repay.

quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.

Application

In most cases, citizens with full capacity for civil conduct (citizens over 18 years old in Chinese mainland) and a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

people who apply for credit cards can be divided into units and individuals. The applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal personality within the territory of China.

each unit can get a main card and several (5-1) supplementary cards when applying for a credit card. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

generally, the application method is to fill in a credit card application form, and the contents of the application form generally include the name, basic information, economic status or income source, guarantor and its basic information of the applicant. And submit certain copies of certificates and certificates to the issuing bank.

after the customer truthfully fills in the application form, he/she should submit the completed application form as well as the relevant credit certificate. The application form is accompanied by a contract for using a credit card. The applicant authorizes the issuing bank or relevant departments to investigate its relevant information, submit a statement on the authenticity of the information, the privacy protection policy of the issuing bank, etc., and must have the applicant's autograph.

card cancellation

before the credit card is cancelled, the account balance must be cleared, and the card cancellation process should be completed within 45 days after the application is made.

which department to turn to for credit card complaints? These complaints methods must be clear.

After the credit card is stolen, the bank shirks its responsibility and still charges high penalty interest and late payment fees; There is no card, but there are more credit cards under the name; In the process of using credit cards, we often encounter these complaints, but we don't know which department to look for. Here are some credit card complaints methods.

First of all, complain directly to the issuing bank

This is the quickest and most direct method, which is beneficial for the bank to receive the complaint as soon as possible and solve it.

There are many ways to complain. You can enter the credit card official website of the issuing bank, find the customer service mailbox of the bank, select "Complaint" in the "feedback category" in the mailbox, and fill in the name, mobile phone, complaint items and so on before submitting; In addition, you can also directly call the credit card service hotline of the issuing bank, choose a complaint after voice broadcast, and then make a complaint with the customer service staff about the specific situation after connection, and agree on the time for settlement.

Secondly, you can complain to the local banking regulatory bureau

If you are not satisfied with the result of the bank's handling, or if the bank fails to give a final reply within the agreed time after receiving the complaint, you can seek assistance from the banking regulatory bureau. However, according to the principle of territorial supervision, complaints to the banking regulatory bureau should be filed with the local dispatched office of the CBRC first.

it should be noted that oral or anonymous voting to the CBRC is inconvenient to accept, so it must be done in writing. Written complaints, to list the report object 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.

that's the introduction of "which department to call for credit card complaints". Finally, I would like to remind you that the CBRC cannot directly intervene in handling complaints, so it has no right to decide whether complaints are reasonable or order banks to meet the requirements of complainants, but it can urge banks to thoroughly investigate and solve customer complaints quickly.

What evidence do you need to report the cardholder?

Hello, you need evidence related to the facts of the case, which is subjective, arbitrary and one-sided compared with the fact that the case is confirmed by evidence. Evidence is a method to prove facts by facts. Compared with other methods, it is the most reliable and persuasive in identifying the facts of a case.

any evidence has a certain source, whether it is evidence provided by accusation, report, surrender or confession, or evidence collected through inquest, inspection, search, seizure or inquiry or interrogation, each has a certain source. Besides being legal, the source of evidence must be objective and independent of people's will. The objectivity of evidence requires us to do the following:

1. When interrogating witnesses and victims, we should record the original words when interrogating criminal suspects and defendants, so as to accurately express the original intention of the statement. We should reflect the manner and tone of the statement, so as to objectively, comprehensively and accurately reflect the true face of the case facts, and we should not take it out of context or even record it against the original intention of the statement.

2. Inductive questioning is prohibited when questioning witnesses and victims, and interrogating criminal suspects and defendants. Inductive questioning plays a suggestive role for the interviewee (inquirer) and directly affects the authenticity of their confessions, statements and testimonies.

3. When we collect documentary evidence and physical evidence, we must not alter the documentary evidence, and we must not replace the physical evidence of specific objects with similar objects to reflect the original appearance of things.

4. Ask the witness to say what he saw and heard with his own eyes, not what others said, let alone hearsay or subjective speculation.

it should be clear that the objectivity of evidence is not equal to the authenticity of evidence. Just because some evidence has an objective form does not mean that it is true and reliable. The content of some evidence is a reflection of objective things, which does not mean that the reflection of this evidence is accurate and without any error. Objectivity is not only one of the acceptance criteria of evidence, but also one of the bases for judging the authenticity and reliability of evidence.

Legal basis

Evidence Law

How to complain about Guangfa Credit Card?

If a user wants to complain about the credit card of Guangfa Bank, he can choose the following ways.

1. First of all, you can make a complaint by calling the official telephone number of their bank. There is their official telephone number at the back of the credit card of Guangfa Bank, which is 9558. At the same time, you can also complain about the customer's service attitude or other contents of customer service.

2. The second method: Users can report and complain in official website of China Guangfa Bank Credit Card. First, log in to the official website homepage of China Guangfa Bank, and then pass on the questions you want to reply through My Options, and then click on some columns such as Complaint Options, Name and Contact Number.

3. Another method is to file a complaint with the CBRC or the CBRC in writing. Under normal circumstances, this type of complaint is a very serious problem, and the Banking Supervision Committee and other departments will pay considerable attention to it. However, if you want to complain about the bank in this way, you need the complainant's real name to complain, and you need to write down his name, contact number, home address and other related information. To sum up, if users feel that their rights and interests have been infringed by relevant personnel in the bank, they can choose the above-mentioned complaint reporting methods according to the nature and severity of the situation. Generally, after 3-5 days, the relevant departments will give corresponding replies, just wait patiently for the reply.

4. In daily life, it is normal for some credit cards to be overdue for collection. It's no use complaining blindly. This cannot solve the fundamental problem. In this case, the fundamental problem for users is that they can realize personalized installment payment or stop payment. In this case, the bank will not call you all day to urge you to pay, and the bank also hopes that you can repay on time. After all, it is better for both companies.

The original intention of Guangfa Credit Card Center is to "run the best credit card in China" and keep improving. After years of exhibition, it has gained a large number of loyal users. Guangfa Credit Card Center has formed a very perfect and efficient enterprise operation mechanism in leadership decision-making, risk control, marketing and back-office support, continuously introduced value-added services and innovative products, built a perfect risk prevention system and built an international standard customer service center.

operating environment: Huawei p3pro2...12

Guangdong Development Bank 2..5

What is the credit card complaint number? All these methods can try

the rapid expansion of credit card business, which is convenient for consumers, but the service is not satisfactory, and various credit card problems are constantly exposed. If you encounter poor bank service attitude, unreasonable credit card deduction and violent credit card collection when using credit cards, you can call the relevant departments to make a complaint. So, what's the credit card complaint number? Let's take a look at it.

1. Internal complaint telephone number of banks

Credit card departments of major banks have complaint telephone numbers. If you encounter various problems in the process of using credit cards, it is best to directly dial the credit card number of each bank and report the situation to the customer service after connecting the manual service. This is also the most direct complaint method, with 13 bank telephone numbers attached:

Bank of China-95566; China Industrial and Commercial Bank-95588; China Construction Bank-95533; Agricultural Bank of China-95599; China Merchants Bank-95555; Bank of Communications-95559; China CITIC Bank-95558; Minsheng Bank-95568; Industrial Bank-95568; Shanghai Pudong Development Bank-95528; China Guangfa Bank-9558; China Everbright Bank-95595; Huaxia Bank-95577; Shenzhen Development Bank -9551

2 and 12363

12363 are the complaint telephone numbers of the People's Bank of China. The purpose of setting up this telephone number is to better protect the legitimate rights and interests of financial consumers. Generally, the People's Bank of China will accept complaints about cross-market and cross-bank financial products and services. The credit card belongs to the management of Bank of China, so you can also make this call.

3. CBRC

The CBRC shall supervise and manage the credit card business of commercial banks according to law. If it is dissatisfied with the bank's handling of complaints, or if the bank fails to give a final reply within the agreed time after receiving complaints, it may seek assistance from the CBRC. The CBRC does not accept oral or anonymous complaints, which need to be made in writing.

The above are the phone numbers of credit card complaints. You can select some or all of them and submit them once. If you encounter a credit card, remember to keep the evidence and safeguard your rights and interests.

where should I report illegal credit card processing? I want to report it!

report directly to the police station, or call the customer service of the bank where the credit card is illegally handled.

if you encounter any of the following situations, you can directly report to the local criminal investigation brigade:

1. My credit card was stolen

2. My identity card was stolen and I applied for a credit card.

that's enough for the introduction of how to report a credit card.