What should I do if I find a disputed consumption account on my credit card bill?

After receiving the bill, have you ever had any doubts about the amount of money in the bill? That’s too much, what do you usually do at this time?

After receiving the bill, cardholders often face doubts about the credit card bill. At this time, you can call the bank's customer service hotline and raise a dispute account inquiry business. The bank will handle the consumption you have questions about. Learn about the payment.

In order to quickly resolve disputed transactions, the bank will ask you to provide relevant transaction information. Based on past experience, many cardholders think that the place of consumption is wrong. Often, the name of the place of consumption is different from the actual company name, which causes the cardholder to mistakenly think that they have not made purchases there. Another situation is that The bill amount does not match the actual consumption amount, so the cardholder is best to find the saved signature receipt and compare it himself.

If you really have any questions, it is better to apply again. In order to reduce trouble, cardholders should keep the signature receipt properly after swiping the card. To facilitate account verification, because the cardholder consults the bank for the purchase order, the card-issuing bank will require the cardholder to pay a certain inquiry fee.

During the inquiry of the disputed account, you may be worried about whether the disputed transaction will incur interest charges. Then you should first read the original cardholder manual in detail. Usually, the transactions questioned during the inquiry period will be specially processed and no interest charges will be charged. Once the transaction is found out, if it is indeed a wrong account caused by forgery of the credit card or negligence of the special merchant or bank, etc., then you do not need to Afford this deal. And the relevant funds will be refunded to your card account. However, once it is determined that it is your normal transaction, the bank will charge corresponding overdraft interest, late payment fees and other fees.

How to judge credit card cases

Credit cards are often debts, which are no different from ordinary loans. On the premise of confirming whether the debt exists, a judgment will be made on the plaintiff's petition. If there is a debt, an order will be made. The defendant repaid the loan and interest in accordance with the agreement. If there was no debt, the plaintiff's petition was dismissed in accordance with the law. The card issuer requires the cardholder to pay overdraft interest, compound interest, liquidated damages, etc., or to pay installment fees, interest, liquidated damages, etc. in accordance with the credit card contract. The cardholder requests appropriate payment on the grounds that the total amount claimed by the card issuer is too high. If the amount is reduced, the people shall comprehensively consider the relevant national financial regulatory provisions, the amount and period of outstanding repayment, the degree of fault of the parties, the actual losses of the card issuer and other factors, weigh it in accordance with the principles of fairness and good faith, and make a ruling.

Legal Basis

Article 2 of the "Regulations of the Supreme People's Court on Several Issues Concerning the Trial of Bank Card Civil Cases" If the standard terms such as compound interest, fees, liquidated damages, etc. fail to perform the obligation to present or explain, causing the cardholder to fail to pay attention to or understand the terms, and the cardholder claims that the terms do not become the content of the contract and are not binding on him, the people shall support. The card issuer requires the cardholder to pay overdraft interest, compound interest, liquidated damages, etc., or to pay installment fees, interest, liquidated damages, etc. in accordance with the credit card contract. The cardholder requests appropriate payment on the grounds that the total amount claimed by the card issuer is too high. If the amount is reduced, the people shall comprehensively consider the relevant national financial regulatory provisions, the amount and period of outstanding repayment, the degree of fault of the parties, the actual losses of the card issuer and other factors, weigh it in accordance with the principles of fairness and good faith, and make a ruling.

Disputed accounts with Bank of China credit cards

If a transaction involving someone other than yourself occurs on your card, please call the customer service hotline 4006695566 to apply for processing as soon as possible. For the transactions that have occurred, the bank will have a dedicated team to assist you.

The above content is for your reference, please refer to actual business regulations.

If you have any questions, please feel free to consult Bank of China’s online customer service.

You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GOAPP to handle related businesses.

What should I do if there is a dispute over a consumption account on my credit card bill? Solution

When making purchases with credit cards, cardholders often encounter this problem: What should they do if there is a dispute over the credit card bill? After receiving the signed bill, they often face questions about the credit card bill. , at this time, the cardholder should call the bank's customer service hotline to inquire about the disputed account. During the inquiry of the disputed account, you may be worried about whether the disputed transaction will incur interest charges. It is best to read the original cardholder manual in detail. Usually, the transaction you question will be treated specially during the inquiry. There are interest charges. Once the transaction is found out, if it is indeed a wrong account caused by forgery of the credit card or negligence of the special merchant or bank, you will not be responsible for the transaction and the relevant funds will be returned to your card account. However, once it is determined to be your normal transaction, the bank will charge corresponding overdraft interest, late payment fees and other fees. When handling returns at a specially appointed merchant, the cardholder should provide the purchase order form and ID document used at the time of purchase. If the purchase form is printed by a card press, the cashier should print the same purchase form when returning the goods, with the amount in red. The cardholder will sign the purchase form after checking it is correct, and the merchant will transfer the return money to the credit card department. The credit card department will then deposit the returned money into the cardholder's account. If the purchase order is swiped through a POS machine, the return can be made directly through the POS when handling returns.

What does credit card dispute amount mean?

This transaction is disputed. The cardholder raises an objection to the bank. If there is fraud or repeated deductions by the merchant, the transaction can be disputed.

Handling of Bank of Communications Credit Card Transaction Disputes

Announcement on the Process of Handling Consumer Complaints at the Bank of Communications Credit Card Center

Dear Bank of Communications Credit Card Cardholders:

In order to protect the legitimate rights and interests of financial consumers, unblock financial consumer consultation and complaint channels, and actively respond to the requirements of the China Banking and Insurance Regulatory Commission’s "Order of the China Banking and Insurance Regulatory Commission (2020 No. 3)" (hereinafter referred to as Order No. 3), the Communications The Bank Credit Card Center announces the consumer complaint handling process as follows:

1. Consumer complaint subject process:

According to the requirements of the China Banking and Insurance Regulatory Commission Order No. 3, the complaint subject process of the Bank of Communications Credit Card Center can be divided into 4 steps: financial consumers file complaints → banking institutions accept complaints → handle complaints → provide feedback on the results.

In response to complaints and feedback from financial consumers, the Bank of Communications Credit Card Center will make fair and equitable handling decisions in accordance with relevant laws, regulations and contractual agreements. If financial consumers have objections to the handling decisions, they can file previous complaints. Submit a written application for verification of the handling situation. If you still have objections to the results of the application verification, financial consumers can also take mediation, arbitration, litigation and other relief channels.

2. Consumer complaint acceptance channels:

Credit Card Center 24-hour complaint acceptance hotline:

Gold card 4008009888; co-branded card 4008893888; platinum card 4008666888

p>

Credit card service supervision hotline: 021-28283999 (working days 9:00-18:00)

Credit card center email address: 800cs@bankcomm.com (accepting written complaints/application verification)

You can also give your feedback through self-service channels such as the official credit card website and the Pay Bar APP.

Mediation Center acceptance phone number:

Shanghai Financial Consumption Mediation Center: 021-20235012 (working days 9:30-11:00 am, 13:30-16:30 pm)

Shanghai Banking Mediation Center: 021-55369653 (working days 9:30-11:30 am, 13:30-16:30 pm)

3. Notes:

1. Financial consumers who submit consumer complaints must be objective and truthful, and must be responsible for the authenticity of the materials provided. They must not provide false information or fabricate or distort facts, and must not falsely accuse or frame others;

2. Financial consumers should abide by laws, administrative regulations and relevant national regulations in the process of consumer complaints, and maintain social public order and the office and business order of consumer complaint handling units.

This is the end of the introduction about credit card disputes and objections to bank credit card interest. Have you found the information you need?