1. First of all, when you want to refund the interest on your credit card, you need to know whether your situation meets the requirements. For example, if a breach of contract is caused by force majeure, compound interest and related service management fees will be charged for the unpaid overdraft amount, and interest can be refunded.
2. Call the credit card center to apply for a refund of the credit card fine. If the bank disagrees, it can call or complain to the CBRC. Overcharged interest can of course be refunded. Excess interest, liquidated damages and compensation exceeding the red line cannot be supported by law, and can be returned through complaints.
3. To sum up, the liquidated damages caused by the issuer's failure to perform its obligations or the bank's fault can also be appealed, including the liquidated damages caused by special circumstances. For example: accidents, theft, etc. Unreasonable expenses can be refunded.
Two, in most cases, citizens with full capacity for civil conduct (citizens of Chinese mainland 18 years old) and have a certain direct source of income can apply for a credit card from the issuing bank.
Third, the credit card cancellation method
① Telephone banking cancellation: All credit cards can be cancelled through telephone banking. If the credit card can only be cancelled by telephone on the premise of cancellation, call the corresponding bank customer, enter the card number and information according to the prompt, and cancel the account.
② Cancellation of bank counters: Bring valid certificates, such as ID cards and credit cards. Get the reservation number from the bank and line up. Explain to the service staff that you want to cancel the account, give the credit card to the bank staff and fill in the relevant application. Credit card cancellation is over.
Legal basis:
Provisions of the Supreme People's Court on Several Issues Concerning the Trial of Civil Disputes over Bank Cards;
Article 2 When concluding a bank card contract with the cardholder, the issuing bank fails to fulfill the obligation of prompting or explaining the standard terms such as interest, compound interest, fees and liquidated damages, which leads to the cardholder's failure to pay attention to or understand the terms. If the cardholder claims that this clause is not an integral part of the contract and is not binding on it, the people's court shall support it.
If the issuing bank requires the cardholder to pay overdraft interest, compound interest, liquidated damages, etc. , or pay installment fees, interest, liquidated damages, etc. As stipulated in the credit card contract, if the cardholder requests an appropriate reduction on the grounds that the total amount claimed by the issuing bank is too high, the people's court shall comprehensively consider the relevant financial supervision regulations of the state, the unpaid amount and time limit, the degree of fault of the parties, the actual loss of the issuing bank and other factors. , according to the principle of fairness and good faith to measure, make a ruling.