Can I complain to the Shenzhen Banking Regulatory Commission about Ping An Credit Card?
Yes. The China Banking Regulatory Commission is responsible for supervising and managing the banking industry. If you have been treated unfairly by a bank, you can file a complaint.
However, the specific location of the complaint depends on the location where you applied for the card. Ping An Credit Card has dual centers. There is a card center in Shanghai and a card center in Shenzhen. It depends on which card center approved your Ping An credit card, which card center you should complain to. If you are in the south, complain about Shenzhen, and if you are in the north, complain about Shanghai.
1. Basic information of Ping An Credit Card
Ping An Bank Credit Card is the first credit business launched after the merger of Shenzhen Commercial Bank and Ping An Bank, which was renamed Shenzhen Ping An Bank. In addition to basic functions such as credit consumption and cash advance, credit cards also have many special functions to provide cardholders with comprehensive security guarantees of "safe consumption, safe home, and safe travel."
Ping An Bank Credit Card Center was established in 2000 and settled in Qianhai, Shenzhen in 2015. It has been upgraded to a second-level legal person and a relatively independent credit card franchise institution. As of November 2018, there were more than 50 million cards in circulation.
Ping An Bank is one of the main business departments of Ping An Group of China and an important part of the comprehensive financial service platform of Ping An Group of China. Ping An Bank is a joint-stock commercial bank operating across regions, with a registered capital of 5.461 billion yuan and total assets of more than 130 billion yuan. The company is headquartered in Shenzhen, with business outlets located in Shenzhen, Shanghai, Fuzhou, Quanzhou, Xiamen and Hangzhou.
After your Ping An credit card expires, you will be contacted to verify the situation. Unless your overdue amount is very small and your place of residence is very remote, in this case, collection will not come to your door. Because there is a cost to visit. The journey is too long, the cost is too high, and there are only two people coming to the door. If you pay more, you will even have to pay extra. So this kind of thing will not come to your door. As for other situations, they will basically come to investigate.
2. Application conditions for Ping An Credit Card
1. Anyone who has reached the age of 18, has full capacity for civil conduct, has a stable and legal source of income, and has a good Reputation can apply for a personal credit card from the credit card issuer with a valid ID card and other documents required by the credit card issuer.
2. Personal primary cardholders can apply for supplementary cards for other qualified natural persons. The primary cardholder shall be fully responsible for repaying the debts incurred by the primary card and the auxiliary card. Supplementary cardholders are jointly and severally liable for the debts of the principal card and supplementary cards.
Is it useful to complain about a sudden reduction in credit limit on Ping An Bank's credit card?
It is useless to complain about a sudden reduction in credit limit on Ping An Bank's credit card. Party A (note: bank) has the right to evaluate Party B's (note: cardholder) credit level and use of credit limit, and approve or adjust the account credit limit based on Party B's credit status, so the account credit limit should be regarded as A credit commitment that Party A can unconditionally cancel. Based on Party B's credit status and account credit limit usage, Party A has the right to issue or adjust it to a credit card of the corresponding level.
What is the complaint hotline of Ping An Bank?
Ping An Bank’s credit card customer service hotline: 95511-2; debit card customer service hotline: 95511-3; VIP hotline: 4008895511. If you need to inquire about Ping An Bank's business, you can click the link below and select the online customer service icon in the upper right corner of the homepage or follow Ping An Bank's WeChat public account (pingan_bank) for consultation.
Ping An Credit Card customer service phone number
Ping An Credit Card customer service phone number is 400-004-5136.
Ping An Bank Credit Card is the first credit business launched after the merger of Shenzhen Commercial Bank and Ping An Bank and was renamed Shenzhen Ping An Bank. In addition to the basic functions of credit cards such as credit consumption and cash advance, it also has Many special functions provide cardholders with comprehensive security protection covering "safety in consumption, safety at home, and safety in travel".
Credit Card Rights
1. You can choose the transaction password
When you activate the card, the consumption method we set for you is "Signature Only". If you choose "Sign with password for consumption", please call the 24-hour customer service hotline to apply for settings. After setting the transaction password, you can also change the password through the Bank's ATM cash machines, CDM deposit machines, 24-hour customer service hotline or by logging in to the Bank's credit card website.
2. Home security
All Ping An Bank credit card holders can enjoy home property theft protection. Cardholders only need to activate the card and successfully swipe it once (no limit on amount). You can receive free home property theft insurance and door and window lock malicious damage insurance. Gold card holders can also receive cash and gold and silver jewelry theft insurance to protect your home safety.
Ping An Bank Credit Card Reporting and Complaint Hotline
Sorry for bringing you a bad feeling. If you have any questions and need feedback, please call Ping An Bank Credit Card Customer Service Hotline 95511-2 to provide feedback. You can also click the link below, select the online customer service icon - credit card in the upper right corner of the homepage, and enter "switch to manual" to consult online customer service.
If I was deceived by a credit card salesperson at Ping An Bank, can I call 12315 to complain?
Yes, there is the “12315” consumer complaint reporting hotline and the national Internet platform. On March 15, 1999, the State Administration for Industry and Commerce, with the strong support of the former Ministry of Information Industry, decided to set up a dedicated telephone number nationwide to handle consumer complaints and reports. The national 12315 Internet platform was officially launched on March 15, 2017. This is another major measure to promote "Internet government services" and marks the entry of the consumption work of my country's industrial and commercial and market supervision departments into the Internet era.
On February 28, 2019, the official website of the State Administration for Market Regulation of the People's Republic of China released the "Opinions of the State Administration for Market Regulation on Integrating and Building the 12315 Administrative Law Enforcement System to Better Serve Market Supervision and Law Enforcement." Before the end of 2020, the original complaint and reporting hotlines for industry and commerce, quality inspection, food and drugs, prices, intellectual property rights, etc., namely 12315, 12365, 12331, 12358, 12330, etc., will be unified into the 12315 hotline, and 12315 will be used to provide market supervision complaints to the outside world. Reporting Services.
That’s it for the introduction to Ping An Bank’s credit card complaints.