1, call the credit card customer service hotline to transfer people.
2. Ask the customer service staff to check the total amount of installment fees, overdue liquidated damages, minimum repayment interest and other expenses generated by the credit card under their name. At this time, the customer service will ask if there is any demand for these, and directly ask the bank to help reduce the installment fee and interest penalty.
3. Some customer service staff will say that there is no way to refund, which is a normal charge. At this time, you can talk to her appropriately. Specifically, I don't know how the penalty interest came about, and the charges were unreasonable. I recognized my own installment fee, but I didn't recognize it when the bank called, and then I asked for a refund.
4. Some customer service staff will say that there is this policy, but how much can be refunded depends on the statistics of the system. The high probability is that you can get a refund of 50%-80%, which is almost enough.
5. After the customer service promises to feedback the application, it is necessary to determine the reply time and actively follow up. After the customer service determines the refund amount, it will arrive in 2-8 days. In general, a refund must meet the conditions for applying for a refund by a credit card, such as breach of contract due to force majeure, compound interest on unpaid overdraft, unreasonable service management fees, etc. However, if there are special circumstances, such as a large amount of arrears, or the principal cannot be repaid at maturity, then prepayment is not allowed. In addition, the interest refund period of credit cards generally varies according to different credit card types.