1, the issuing bank complained.
After all, no matter who you complain to, the bank will solve it in the end, so once you find that the credit card charges are unreasonable, you must complain to the issuing bank.
2.2 1cn collecting complaints
This platform is a popular platform for complaint departments, which has certain binding force on formal institutions. If you find that your credit card has been charged at will, you can register a complaint and post a complaint on the platform after logging in.
3. Bank of China Insurance Regulatory Commission
I used to look for the China Banking Regulatory Commission, but now the China Banking Regulatory Commission and the China Insurance Regulatory Commission have merged into China Banking and Insurance Regulatory Commission.
Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay.
Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
apply for
In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.
The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China.
When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank.
After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.
Pin card
Before the credit card is cancelled, the account balance must be settled, and the whole process of card cancellation must be completed within 45 days after the application.
Which department should I go to for credit card complaints? These complaints must be clear.
After the credit card was stolen, the bank shirked its responsibility and still charged a high penalty interest and late payment fee; There are no cards, but there are more credit cards under their names; In the process of using credit cards, we often encounter these complaints, but we don't know which department to look for. Here are some ways to complain about credit cards.
First, complain directly to the issuing bank.
This is the fastest and most direct way to help banks receive complaints and solve them as soon as possible.
There are many ways to complain. You can enter the credit card official website of the issuing bank, find the customer service email address of the bank, select "complaint" in the "feedback category" of the email address, fill in the name, mobile phone, complaint, etc., and then submit it; In addition, you can also directly call the credit card service hotline of the issuing bank, choose a complaint after the voice broadcast, and then make a complaint with the customer service staff on the specific situation and agree on the settlement time.
Secondly, you can complain to the local banking regulatory bureau.
If you are not satisfied with the handling result of the bank, or if the bank fails to give a final reply within the agreed time after receiving the complaint, you can ask the banking regulatory bureau for help. However, according to the principle of territorial supervision, complaints to the banking regulatory bureau should be submitted to the local CBRC agency first.
It should be noted that oral or anonymous investment is not convenient to accept in the CBRC, and it must be in writing. Written complaints, to list the reporting object in detail; The process and nature of the reported event; Relevant evidence; Attach the name, contact information and a copy of the informant's ID card.
The above is the relevant introduction of "which department to look for credit card complaints". Finally, I would like to remind you that the CBRC cannot directly intervene in handling complaints, so it has no right to decide whether the complaints are reasonable or not, nor does it have the right to order banks to meet the requirements of complainants, but it can urge banks to thoroughly investigate and quickly solve customer complaints.
What evidence do you need to report a cardholder?
Hello, you need evidence related to the facts of the case, which is subjective, arbitrary and one-sided compared with identifying the facts of the case through evidence. Evidence is a way to prove facts with facts. Compared with other methods, it is the most reliable and convincing method to determine the facts of a case.
Any evidence has a certain source, whether it is evidence provided by accusation, accusation, surrender or confession, or evidence collected through inquest, inspection, search, seizure or inquiry and interrogation, all have a certain source. Besides being legal, the sources of evidence must be objective and independent of people's will. The objectivity of evidence requires us to:
1. When interrogating witnesses, victims, criminal suspects and defendants, the original words should be recorded to accurately express the speaker's original intention. It is necessary to reflect the speaker's way and tone, objectively, comprehensively and accurately reflect the true face of the case, and not to take it out of context or even go against the speaker's original intention.
2. Asking witnesses, victims, criminal suspects and defendants is prohibited. Inductive questioning plays a suggestive role in the interviewee (inquirer) and directly affects the authenticity of his confession, statement and testimony.
3. When collecting documentary evidence and physical evidence, documentary evidence shall not be altered, and physical evidence of specific objects shall not be replaced by similar objects to reflect the original appearance of things.
4. Ask the witness to tell what he saw and heard, not what others said, let alone hearsay or subjective speculation.
What needs to be clear is that the objectivity of evidence is not equal to the authenticity of evidence. Just because some evidence has an objective form doesn't mean it is true and reliable. The content of some evidence is a reflection of objective things, which does not mean that the reflection of this evidence is accurate. Objectivity is not only one of the admissibility criteria of evidence, but also one of the bases for judging the authenticity and reliability of evidence.
legal ground
evidence act
How to complain about Guangfa Credit Card?
If users want to complain about the credit card of Guangfa Bank, they can choose the following methods.
1. First of all, you can call the official phone number of their bank to make a complaint. There is their official phone number on the back of the credit card of Guangfa Bank, which is 95508. At the same time, you can also complain about the customer's service attitude or other contents of customer service.
2. In the second way, users can report complaints in official website, a credit card of Guangfa Bank. First, log on to the official website homepage of China Guangfa Bank, and then click on my options, complaint options, name, contact number and other columns to convey the questions you want to reply.
3. Another way is to complain to CBRC or China Banking and Insurance Regulatory Commission in writing. Under normal circumstances, such complaints are very serious, and China Banking and Insurance Regulatory Commission and other departments will attach great importance to them. However, if you want to complain about the bank in this way, you need the complainant's real name to complain, and you need to write down his name, contact number, home address and other related information. To sum up, if users feel that their rights and interests have been infringed by the relevant personnel of the bank, they can choose the above complaint reporting method according to the nature and severity of the situation. Generally, after 3-5 days, the relevant departments will give corresponding answers and wait patiently for the answers.
In daily life, it is normal that some credit cards are overdue. It's no use complaining blindly. This can't solve the fundamental problem. In this case, the fundamental question for users is whether they can realize personalized installment payment or stop payment. In this case, the bank will not call you all day to urge you to repay, and the bank also hopes that you can repay on time. After all, it is good for both companies.
The original intention of Guangfa Credit Card Center is to "run the best credit card in China", and it is constantly improving. After years of exhibition, it has gained a large number of loyal users. Guangfa Credit Card Center has formed a very perfect and efficient enterprise operation mechanism in leadership decision-making, risk control, marketing and back-office support, continuously introduced value-added services and innovative products, built a perfect risk prevention system, and built an international standard customer service center.
Operating environment: Huawei p30pro2.0.0. 12.
China Guangfa Bank 2.0.5
What's the credit card complaint number? All these methods can be tried.
With the rapid expansion of credit card business, while facilitating consumers, the service is not satisfactory, and various credit card problems are constantly exposed. If you encounter poor bank service attitude, unreasonable credit card deduction, credit card collection violence, etc. when using credit cards, you can call the relevant departments to complain. So, what's the credit card complaint number? Let's have a look.
1, internal complaint telephone number of the bank
The credit card departments of major banks have complaint telephone numbers. If you encounter various problems in the process of using credit cards, it is best to dial the credit card numbers of various banks directly, and then report the situation to the customer service after connecting the manual service. This is also the most direct way to complain. Please attach the telephone number of 13 Bank:
Bank of China-95566; China Industrial and Commercial Bank-95588; China Construction Bank-95533; Agricultural Bank of China-95599; China Merchants Bank-95555; Bank of Communications-95559; China CITIC Bank-95558; Minsheng Bank-95568; Industrial Bank-95568; Shanghai Pudong Development Bank-95528; China Guangfa Bank-95508; China Everbright Bank-95595; Huaxia Bank-95577; Shenzhen development bank -9550 1
2、 12363
12363 is the complaint telephone number of China People's Bank. The purpose of setting up this telephone number is to better protect the legitimate rights and interests of financial consumers. Under normal circumstances, the People's Bank of China will accept complaints about cross-market and inter-bank financial products and services. The credit card is managed by China Bank, and you can also make this call.
3. China Banking Regulatory Commission (abbreviation of China Banking Regulatory Commission)
The CBRC shall supervise and manage the credit card business of commercial banks according to law. If the Bank is not satisfied with the handling of complaints, or fails to give a final reply within the agreed time after receiving complaints, it may seek assistance from the CBRC. The CBRC does not accept oral or anonymous complaints, but requires written complaints.
The above is a list of credit card complaints. You can select some or all of them and submit again. If you encounter a credit card, remember to keep the evidence and safeguard your rights and interests.
Where do I need to report illegal credit card processing? I want to report it!
Go directly to the police station to report the case, or call the bank customer service who illegally handles credit cards to report the case.
In case of any of the following circumstances, you can report the case directly to the local criminal investigation brigade:
1, my credit card was stolen.
My ID card was stolen and I applied for a credit card.
That's enough about how to report the loss of a credit card.