Methods to complain about bank irregularities in credit card processing:

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.

The role of the China Banking Regulatory Commission is to supervise banks to resolve matters quickly and give a satisfactory answer, but will not directly intervene in the matter. However, with the intervention of the China Banking Regulatory Commission, banks will also know how to do it. If it really doesn't work at the bank, go to the China Banking Regulatory Commission.

Using credit cards has become a common way of consumption. Some cardholders have misunderstandings about the understanding and use of credit cards. They do not know how to use credit cards correctly and safely, or do not know how to use credit cards correctly and safely, or do not understand the behavior of overdue repayments. Having a chance mentality will not only create a negative impression on personal loans and credit evaluations, but may even inadvertently touch the bottom line of the law and pay a heavy price. You can complain to the customer service hotline of the bank that handles your credit card. If your complaint is not resolved, you can complain to the Banking Regulatory Bureau or the government hotline 12345.

Legal Basis

Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China The crime of credit card fraud involves one of the following circumstances: carrying out credit card fraud activities with a relatively large amount If the amount is huge or there are other serious circumstances, the sentence is to be not less than five years but not more than 10 years of fixed-term imprisonment and a fine of not less than 20,000 yuan but not more than 200,000 yuan; A fine of not more than 100,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, the sentence shall be not less than 10 years in prison or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or property confiscation:

(1) Using a forged credit card, or using a credit card fraudulently obtained with false identity certificates;

(2) Using an expired credit card;

(3) Pretending to use someone else’s credit card Credit card;

(4) Malicious overdraft.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank.

Whoever steals a credit card and uses it for the crime of theft shall be convicted and punished in accordance with the provisions of Article 264 of this Law.