Hello: I was cheated by the postal savings credit card customer service today! I received 20 18 coins from them, 2969 yuan. What should I do?

Bank calls will be recorded. If you don't buy it yourself, you can complain to the CBRC. If you accidentally agree to buy, you can return it. There is usually a period of hesitation.

According to the relevant regulations, the marketing personnel of commercial banks must keep clear recording materials when conducting credit card telemarketing, and the recording materials should be kept for at least 2 years for future reference.

20 19,10 In June, the CBRC issued the Notice on Carrying out the Work of Rectifying the Chaos of Infringement of Consumer Rights by Bank Insurance Institutions. The "Notice" lists the chaotic manifestations that infringe on consumers' rights and interests, and points out that banks and insurance institutions have the problem of blind calling to disturb the people when they take the initiative in telemarketing; When calling consumers or sending promotional messages, the content is misleading, false or provides inaccurate information.

The notice of China Banking and Insurance Regulatory Commission emphasizes that banks should earnestly safeguard the legitimate rights and interests of consumers.

Three ways for banks to promote commemorative coins;

1. Confuse commemorative coins and medals. The value of commemorative coins and commemorative medals is completely different. Commemorative coins have denominations, issued by the People's Bank of China, and have elements such as the national emblem, but commemorative medals do not have these elements. Some banks will mix this concept in the process of sales promotion, which will make investors misunderstand.

2. Overexaggerate the collection value of commemorative coins. Because the value of commemorative coins depends entirely on its scarcity. But in fact, some banks will deliberately enlarge their collection value and future appreciation value in the process of sales or promotion, misleading investors.

3. Credit card business related to commemorative coin sales. Commemorative coin sales are generally tied to credit card installment business. If consumers verbally agree on the phone, they will immediately apply for installment payment.

When you receive a phone call from bank customer service to promote insurance, installment business, precious metals and other products, you should make a careful decision and make a clear statement. If you want to accept the promoted products, you must know the products in detail; If you don't need it, you must definitely refuse it on the phone. Ambiguous answers may fall into the marketing "trap".

How to complain about others illegally operating credit cards?

1. Find a credit card issuer.

When you find that your credit card has any deduction during use, you should find the issuing bank to answer the question as soon as possible. Take the initiative to keep the consumption records and data of any deduction. Explain the situation and ask the bank customer service to solve the problem.

2. Complaint platform

In case of arbitrary fee deduction, credit card violation, etc., you can complain directly on the complaint gathering platform (123 15). This platform has certain binding force. After receiving the complaint, the platform will directly feed back to the bank, so that the bank can deal with the problem as soon as possible. And will track and monitor the progress of complaints in real time.

3. China Banking Regulatory Commission (abbreviation of China Banking Regulatory Commission)

There are family rules, and state-owned banks naturally have CBRC. You can call the hotline 12378 to make a complaint. You can also make a written complaint directly at the local CBRC, provided that you need a real-name complaint. After receiving the complaint, it will be fed back to the bank for handling.