Legal analysis: Credit card complaints can be made in the following ways:

1. Complain to the customer service hotline of the bank’s credit card center.

2. Complain to the bank’s customer service hotline (generally, credit cards are a sub-department of the bank and are under the jurisdiction of the head office).

3. Complain to the China Banking Regulatory Commission.

Legal basis: "Credit Card Business Management Measures"

Article 53 If a card-issuing bank commits any of the following circumstances, the People's Bank of China will order it to make corrections and impose a fine of 50,000 yuan to A fine of 300,000 yuan.

(1) Starting a credit card business without approval:

(2) Issuing industrial C cards or foreign currency credit cards without approval.

Article 70 If a staff member of a special contract unit participates in bank fraud activities and constitutes a crime, he or she shall be held criminally responsible in accordance with the law.

Article 71 If a bank staff colludes with a cardholder or a special agency to participate in fraudulent activities, thereby constituting a crime, he or she shall be held criminally responsible in accordance with the law.