What is the phone number for credit card complaints? All of these methods can be tried

The credit card business has expanded rapidly. While it is convenient for consumers, the service is not satisfactory, and various credit card problems are constantly exposed. If you encounter poor bank service attitude, arbitrary credit card charges, violent credit card collections, etc. when using your credit card, you can call the relevant department to complain. So, what is the phone number for credit card complaints? Let’s find out together below.

1. Bank internal complaint hotline

The credit card departments of major banks have complaint hotlines. If you encounter various problems while using your credit card, it is best to call each bank directly. For credit card calls, after connecting to the manual service, report the situation to customer service. This is also the most direct method of complaint. Attached are 13 bank phone numbers: Bank of China - 95566; Industrial and Commercial Bank of China - 95588; China Construction Bank - 95533; Agricultural Bank of China-95599; China Merchants Bank-95555; Bank of Communications-95559; China CITIC Bank-95558; Minsheng Bank-95568; Industrial Bank-95568; Shanghai Pudong Development Bank-95528; China Guangfa Bank-95508; China Everbright Bank-95595; Huaxia Bank-95577; Shenzhen Development Bank-95501

2, 12363

12363 is the complaint hotline of the People's Bank of China. The purpose of setting up this hotline is to better protect the legitimate rights and interests of financial consumers. Generally, the People's Bank of China will accept complaints about cross-market and cross-bank financial products and services. The credit card is managed by Bank of China, so you can also call this number for this purpose.

3. China Banking Regulatory Commission

The China Banking Regulatory Commission shall supervise and manage the credit card business of commercial banks in accordance with the law. If the bank is dissatisfied with the way the bank handles complaints, or the bank has not agreed after receiving the complaint A final reply will be given within the time limit, and you may seek assistance from the China Banking Regulatory Commission. The CBRC does not accept oral or anonymous complaints and must make them in writing.

The above is a collection of credit card complaint phone numbers. You can select some or submit them all. If you encounter a credit card, remember to keep the evidence and safeguard your rights and interests.

What are the ways to complain about CCB credit cards?

There are usually four effective ways to complain about banks.

1. Bank’s internal complaint hotline. If you are dissatisfied with customer service or banking services, you can choose to call the bank and follow the voice prompts to find the corresponding acceptance department.

Industrial and Commercial Bank of China (95588); Agricultural Bank of China (95599); Bank of China (95566); China Construction Bank (95533); Bank of Communications (95559); Shanghai Pudong Development Bank (95528); Industrial Bank (95561) ; China Everbright Bank (95595); China Minsheng Bank (95568); China CITIC Bank (95558); China Merchants Bank (95555); Postal Savings Bank (11185)

2. Local Banking Regulatory Bureau. Each region has a dedicated Banking Regulatory Commission, which is the local branch of the banking industry. If you have corresponding issues and want to report complaints, you can also search for the provincial banking regulatory bureau on Baidu and find the phone number to make a complaint. , you can also report through messages or emails.

3. Banking Regulatory Commission. If you are dissatisfied with the way the bank handles complaints, or if the bank does not provide a final reply within the agreed time after receiving the complaint, you can file a complaint with the China Banking Regulatory Commission.

Currently, there are no telephone complaints to the China Banking Regulatory Commission. Complaints can be made in writing, detailing the incident and nature of the complaint, the complainant’s name and contact information.

4. Gather complaints. Jucomplaint is currently the largest non-profit online media consumption complaint service platform in China. It will be useful for certain exposure. You can leave a message directly on Jucomplaint, clearly indicate the reporting unit, the case, the evidence, and leave your name and phone number. , someone will handle it one after another.

5. Media Weibo. Events that need to be reported and complained can be edited into a manuscript and posted on Weibo or directly to the media, which may attract attention and solve related problems.

It is recommended to complain to the head office first. The national head office will record it, and then contact the branch president directly to understand the situation. There will be a time difference of one to two days.

Before the head office contacts the branch, you should complain to the regional branch and the municipal head office of the bank. Then the regional branch and the head office management center will contact the president of the branch. The national head office, the municipal head office, and the regional head office will contact the president at the same time (18 Small cities may have slow feedback or no response). At this time, the three-level branches at the national, municipal, and district levels will contact you at the same time. Basically, you have to pay attention (if it doesn’t work, the above operations can be done once, once a day, for several consecutive days. , otherwise it is malicious behavior). The final trump card is to go directly to the National Banking Regulatory Commission, retain the photos, recordings and other evidence at that time, USB flash drive, real-name handwritten paper complaint letter, and mail it to the Banking Regulatory Commission. Once verified, the branch president and the teller will be directly punished that month or year. Performance.

Which department should you go to if you have a credit card problem?

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.

Article 53 of the "Credit Card Business Management Measures" stipulates that 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 RMB 50,000 to RMB 300,000.

(1) Starting a credit card business without approval;

(2) Issuing IC 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 bank staff colludes with cardholders or special agencies to participate in fraudulent activities, which constitutes a crime, they shall be held criminally responsible in accordance with the law.

Which department should I contact for credit card complaints?

Credit cards are also a part of the bank's business and are under the jurisdiction of the China Banking Regulatory Commission. If you want to complain, you can go to the China Banking Regulatory Commission or the local People's Bank of China. You can make complaints 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. 3. Complain to the China Banking Regulatory Commission. Article 73 of the Commercial Bank Law of the People's Republic of China: If a commercial bank causes property damage to depositors or other customers under any of the following circumstances, it shall bear the interest for delayed performance and other civil liabilities: (1) ) Unreasonably delaying or refusing to pay the deposit principal and interest; (2) Violating the regulations on bill acceptance and other settlement business, failing to honor the bill, not allowing receipts and payments to be entered into the account, suppressing orders, suppressing votes, or refunding checks in violation of regulations; (3) Illegal inquiries , freezing or deducting personal savings deposits or corporate deposits; (4) other behaviors that violate the provisions of this law and cause damage to depositors or other customers. If there are any circumstances specified in the preceding paragraph, the banking regulatory agency of the State Council shall order corrections. If there are illegal gains, the illegal gains shall be confiscated. If the illegal gains exceed 50,000 yuan, a fine of not less than one time but not more than five times the illegal gains shall be imposed; if there are no illegal gains or If the illegal income is less than 50,000 yuan, a fine of not less than 50,000 yuan but not more than 500,000 yuan shall be imposed.

How to file a complaint with the China Banking Regulatory Commission of Guangfa Credit Card Center

There are two ways to complain to the China Banking Regulatory Commission. One is to call the 12378 hotline to complain, and the other is to complain directly to the local Banking and Insurance Regulatory Bureau after collecting evidence. Hope this helps.

This concludes the introduction on how the China Banking Regulatory Commission complains about credit cards and how the China Banking Regulatory Commission complains about credit card repayment negotiations. Have you found the information you need?