What is the complaint hotline for Bank of China's credit card?
Credit card customer service hotline: (1) Domestic dial: 4006695566
(2) Overseas dial: 8610-66085566.
The above content is for your reference, please refer to actual business regulations.
Where to complain about credit card issues
1. Complain to the card issuer
After all, no matter who you complain to, it will ultimately be resolved by the bank, so you will find that credit card If there are arbitrary charges, you should complain to the card issuer as soon as possible.
2. 21cn Complaints
This platform is a relatively popular complaint department platform and has certain binding force on formal institutions. If you find that your credit card has been charged arbitrarily, you can register To gather complaints, just log in and post a complaint on the platform.
3. China Banking and Insurance Regulatory Commission
In the past, we went to the China Banking Regulatory Commission, but now the China Banking Regulatory Commission and the China Insurance Regulatory Commission have merged into the China Banking and Insurance Regulatory Commission.
Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).
Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay;
A quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, the card can be overdrawn within the specified credit limit. The so-called credit card generally refers to a credit card only.
Application
In most cases, citizens who have full capacity for civil conduct (citizens over 18 years old in mainland China) and have certain direct financial resources can apply to the card-issuing bank. Apply for a credit card. Sometimes, legal persons can also be applicants.
Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country.
Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.
The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank.
After the customer fills in the application form truthfully, he or she must also submit relevant credit certificates while submitting the completed application form. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature.
Cancellation
Before canceling a credit card, the account balance must be cleared. The entire process of canceling the card must be completed within 45 days after the application is submitted.
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.
Where can people who complain about credit card applications go to complain?
Where can people who complain about credit card applications go to complain: Credit cards are also a business of banks 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.
That’s it for the introduction of how to file a credit card complaint.