12378 is a unified rights protection service line established by the Insurance Regulatory Commission of the Bank of China. Consumers can be understood as complaints from the China Banking and Insurance Regulatory Commission. Consumers can call 12378 for complaints in case of disputes in handling banking business or purchasing commercial insurance.
After the appeal is successful, the Bank Insurance Association will give the cardholder a special negotiation number inside the bank, and the cardholder will dial this negotiation number to negotiate, which will make the application rate higher than the official customer service of the bank.
However, it should be noted that when the cardholder calls 12378 to complain to the China Banking Regulatory Commission, the wording and reasons for the complaint are very particular. Cardholders must explain their overdue reasons and special circumstances to China Banking and Insurance Regulatory Commission. Only in accordance with the provisions of Article 70 of the Measures for the Supervision and Administration of Commercial Banks, the cardholder can handle related matters with the bank on personalized installment.
At the same time, before appealing to the China Banking Regulatory Commission, the borrower must call the bank's customer service number to consult and negotiate the repayment. If the customer service of the bank informs the cardholder that there is no such service or refuses to communicate with the cardholder. Cardholders can make a recording and then go directly to the CBRC to complain.
In most cases, as long as the cardholder meets the conditions of overdue repayment through credit card negotiation, the bank must sit down and negotiate with the cardholder. But now many banks will refuse to negotiate repayment with cardholders in order to make profits and reduce costs.
According to many people's feedback, it is useful to call 12378 to negotiate repayment. However, if credit card customers want to negotiate repayment, it is best to contact the bank to consult and negotiate repayment first. If the bank refuses to negotiate repayment, credit card customers should call 12378 to complain.
Cardholders can call 12378 to make a complaint after failing to apply for negotiated repayment. After the appeal is successful, you can basically receive a phone call from the bank staff the next day to communicate with the user about repayment, so that the consultation with the official customer service of the bank will be higher than the application rate.
It is worth noting that when calling 12378 to contact the CBRC, the cardholder must explain to the CBRC the reasons and special circumstances of his overdue. Only when he meets the provisions of Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, can it be possible to carry out related matters with banks about personalized staging.