1, avoid the call peak. The following are the off-peak hours of general customer service calls for reference only:

1 before) 10: 00

2) 14:00- 16:00

3) After 22: 00 (24-hour customer service only)

2. When prompted whether to wait, you can choose to wait for a few minutes; Or call later.

3. Use self-service voice service.

4. Make full use of official website's online customer service or other online feedback channels.

The manual service of many customer service calls is often busy, and the voice self-help answer is not detailed enough. Official website's online customer service or other feedback channels can be used.

: 1. The consequences of a bank being complained by 12363 depend on the complaint, so as to determine the seriousness of the problem.

1. If the bank complains about general service problems and the situation is true, the bank will attach great importance to it and deal with it immediately until you are satisfied.

2. If the complaint is that a bank violates the bank's "seven prohibitions and four disclosures" or "334 10", if the situation is true, the branch will handle it from top to bottom, and may be dismissed from public office in serious cases.

3. Complaints about gross negligence of banks, complaints that CBRC may personally review (such as identity fraud, account cancellation, etc.). ), should give priority to with real power department. Customer complaints refer to all kinds of (reasonable or unreasonable) complaints made by qualified customers with VIP cards, which are specially accepted by powerful VIP complaint departments.

2. How to complain about the bank is the most effective?

1. It is most effective to directly report the problem to the CBRC. First, you should know that the banks where you deposit and withdraw money are industry and commerce, agriculture, construction, postal services, etc. And then go to the head office to complain according to the contact number of this bank. In general, the receptionist of the head office will record your questions, record your contact information, and explain to you the opinions that will be answered after understanding the questions.

2. You can also directly contact the branch or the leader of the branch to report the situation and wait for a day or two. If the head office or branch did not contact you, they did not give you feedback on how to deal with this problem. You can complain again, go to the regional branch, municipal head office or local branch where the bank is located, and then the regional branch and the head office management center will contact their branch presidents, and the national head office+municipal head office+regional head office will also contact the bank presidents who reflect your problems (small cities may have slow feedback or slow response). At this time, you should contact the branches of national banks, municipal banks and district-level tertiary banks to reflect complaints.