You can call the complaint hotline or write a letter to complain to the China Merchants Bank Credit Card Center.

1. The complaint hotline of China Merchants Bank Head Office (consumer protection hotline): 95555 extension 7 (24 hours).

2. Complaint address for letters from China Merchants Bank Head Office: China Merchants Bank Service Supervision and Management Center, China Merchants Bank Building, No. 7088 Shennan Avenue, Futian District, Shenzhen; Postal code: 518040.

The reporter learned from the China Banking Regulatory Commission on the 26th that judging from the credit card complaints accepted by the national banking regulatory system in the first ten months of this year, they were mainly concentrated on credit card service provision, marketing and promotion, fee pricing, fraud, and outsourcing. Five types of problems faced by companies in collecting debts.

The main problems with credit card services are: card use is blocked or chargebacks are encountered, customer service attitude is poor, transaction refunds are incorrect, banks unilaterally adjust the limit, resulting in the complainant being blocked from using the card or experiencing incidents. Overdue, bank reconciliation is not timely, and card cancellation is blocked; the main problems in credit card marketing and promotion include: applying for cards under false names, failure to honor promotions, unauthorized modification of points, preferential activity rules, etc.

Problems with credit card charge pricing include: banks do not adopt time tolerances, there are issues such as "interest change fees" in installment business, over-limit fees, handling fees and annual fees; problems with credit card fraud The problems focus on: after the fraud, the bank shirks its responsibility and still charges high penalty interest and late fees; the main problem with outsourcing collection is improper collection methods.

The relevant person in charge of the China Banking Regulatory Commission emphasized that banking financial institutions, as direct participants in the credit card market, must effectively fulfill their main responsibilities to protect the legitimate rights and interests of consumers, and comprehensively strengthen the control and restraint of pre-sales, sales and after-sales behaviors. , to avoid consumer disputes and infringements.

Data released by the central bank on the 25th showed that as of the end of the third quarter, a total of 436 million credit cards had been issued nationwide, a month-on-month increase of 3.34%, and the average number of credit cards nationwide was 0.32; the total credit card credit It was 5.32 trillion yuan, a year-on-year increase of 22.48%.

The types of China Merchants Bank credit cards include:

1. Standard credit cards:

The main ones include standard VISA cards, standard Mastercard cards, China Merchants Bank standard credit cards, China Merchants Bank "He" card credit card, etc.

2. Theme series credit cards:

Mainly include China Merchants Bank Caixin Media co-branded card, China Merchants Bank Ele.me co-branded card, China Merchants Bank NetEase Cloud Music Credit Card, China Merchants Bank Doraemon Mengmengmengka and so on.

3. Regional series of credit cards:

The main ones include Pinghetang co-branded credit card, Century Golden Flower co-branded credit card, Wuhuan Sports co-branded credit card, Xi'an True Love Constellation Card, etc.

4. Travel series credit cards:

Mainly include Ctrip Travel Credit Card, Air China Zhiyin Credit Card, China Southern Sky Pearl Credit Card, Xiamen Airlines Egret Co-branded Credit Card, China Eastern Airlines Co-branded Credit Card, etc.

5. Car owner card series:

China Merchants Bank’s car owner cards include Yingzhong Automobile co-branded credit card, carcard credit card, etc.