We often hear that credit card interest refund mainly refers to bank credit card penalty interest, penalty interest, overdue interest, late payment fee, minimum repayment fee and other expenses collectively referred to as interest. At present, unreasonable fees can be refunded to banks, such as charging compound interest and related service management fees for unpaid overdrafts. So, how to operate the credit card refund?

How to operate a credit card refund?

Call the credit card center first and apply for a refund of the credit card penalty. If the bank doesn't agree, you can call the bank or complain at the CBRC, and the overcharged interest can definitely be refunded. Because of excess interest, liquidated damages, penalty interest, etc. If they exceed the red line, they can't get legal support and can complain back.

When users want to refund credit card interest, they need to know whether their situation meets the requirements. For example, due to a breach of contract due to force majeure, the unpaid overdraft amount is charged with compound interest and related service management fees, and the interest can be demanded to be returned.

To sum up, the liquidated damages caused by the bank's inaction or bank's fault, including those caused by special circumstances, can also be appealed. For example: accidents, stolen brushes, etc. Unreasonable expenses can be refunded.