I am most afraid of complaints from 12363.

1. 12363 is the complaint hotline of the People’s Bank of China. The purpose of establishing this phone number is to better protect the legitimate rights and interests of financial consumers. As long as the content of your complaint is within the legal scope of the People’s Bank of China’s responsibilities Complaints involving cross-market and cross-bank financial products and services can generally be accepted. Obviously, the credit card is managed by Bank of China, so it should be right to call this phone to complain.

1. However, many people report that they cannot get through when calling 12363 to complain. The reasons may be as follows:

1. The answering time of 12363 is 8 am every Monday to Friday: 30-11:50, 14:30-17:00 in the afternoon. If you don’t call within this time, you will naturally not be able to get through.

2. There is no area code when dialing. To use a very simple analogy, for example, if you are in Shenzhen and want to complain about Changsha Bank’s credit card, you need to add the area code 0731 before 12363.

3. Not all cities have opened the People’s Bank of China complaint hotline. If 12363 is not opened in your location, you will naturally not be able to get through. However, it should be noted that calling 12363 to complain about a credit card may not necessarily be helpful. Many people have encountered situations where the call is not accepted, but you don’t have to worry. You can also call the local banking regulatory bureau to make a complaint, or you can Complain to the Banking Regulatory Commission.

2. What complaints are credit card banks most afraid of?

1. Generally speaking, there are three main channels for complaints against banks, bank headquarters complaints, media complaints, and China Banking and Insurance Regulatory Commission complaints. Among them, the more serious consequences are complaints from the China Banking and Insurance Regulatory Commission. After all, the bank's behavior is supervised by the China Banking and Insurance Regulatory Commission, and if the situation is serious, it will be punished. Therefore, if users only have minor problems when using their credit cards, such as customer service attitude, failure to redeem prizes, etc., they can complain to the card issuing bank's headquarters, find the customer service mailbox on the official website, fill in the content and submit.

2. If the situation is serious, for example, after a credit card is fraudulently used, the bank shirks its responsibility and the headquarters is not satisfied with the result; the bank illegally bundles insurance and other services when the user applies for a credit card, etc., then you can file a complaint with the China Banking and Insurance Regulatory Commission . The complainant needs to explain clearly the course of the complaint, his or her demands, and provide relevant evidence.