1. Complain to the card issuer, because no matter where the cardholder complains, it will ultimately be resolved by the bank. Therefore, when encountering the phenomenon of arbitrary credit card charges, you should complain to the card issuer as soon as possible. You can directly call the card bank and report the situation to customer service. The other is to complain to the bank's official website email and attach relevant information.

2. China Banking and Insurance Regulatory Commission. Now the China Banking Regulatory Commission and the China Insurance Regulatory Commission have merged into the China Banking and Insurance Regulatory Commission. You can make a complaint by calling the banking and insurance consumer complaint and rights protection hotline 12378 between 9:00 and 17:00 on working days. Another option is to make a written complaint to the local agency, but it must be in your real name. Anonymous complaints are not accepted.

3. 21cn gathered to complain. This is a popular complaint platform and has certain binding force on formal institutions. After receiving the complaint, the platform will feedback it to the bank, and the bank will handle it. At the same time, the platform will also track the progress of the complaint in real time.

How to avoid arbitrary deductions on credit cards

1. Annual fee: 6 times of payment

Almost all credit cards issued by banks have annual fees. The cost ranges from 10 yuan to several thousand yuan. The more advanced the credit card, the higher the annual fee. For example, the annual fee for many platinum cards is between 800 yuan and 5,800 yuan.

Countermeasures: In order to encourage consumers to use credit cards, banks will implement a policy of waiving annual fees for credit card swiping based on the level of the credit card. For example, generally with the lowest level credit card, if you swipe the card 3-6 times a year, the annual fee for the next year will be waived.

2. Interest: Set up automatic repayment

The biggest advantage of a credit card is that it has an interest-free period ranging from 30 days to 56 days, but some people will forget the repayment time. Failure to repay or forgetting to repay the amount and not repaying in full ultimately results in loss of interest. The interest rate of 0.5% per day is equivalent to an annual interest rate of 18%. Not only does it cost you more money, it will also damage your credit and cause you a lot of trouble when applying for a loan in the future.

Countermeasures: The best way is to bind an automatic repayment account, such as your salary account or Alipay account, etc.

3. Late payment fees: stick to the minimum repayment amount

The minimum repayment amount is generally 10% of the repayment amount, and the minimum payment amount will be indicated on your bill. If you repay the 10% on the repayment date, the advantage is that it will not affect your personal credit record. But if your repayment amount is lower than the minimum repayment amount, the bank will also charge a 5% late payment fee for the portion lower than the minimum repayment amount.

Countermeasures: No matter why you cannot repay in full for any reason, you must at least make up the minimum repayment amount.

Legal Basis

"Criminal Law of the People's Republic of China (2020 Amendment)"

Article 196 The crime of credit card fraud has the following circumstances 1. Whoever commits credit card fraud and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, he shall be sentenced to not less than five years and ten years. Not less than 10 years of fixed-term imprisonment or life imprisonment and a fine of not less than 50,000 yuan but not more than 500,000 yuan. Or confiscation of property:

(1) Using a forged credit card, or using a credit card fraudulently obtained with false identification;

(2) Using an expired credit card;

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(3) Pretending to use other people’s credit cards;

(4) Malicious overdraft.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank.

Whoever steals a credit card and uses it for the crime of theft shall be convicted and punished in accordance with the provisions of Article 264 of this Law.