Author | Zhang Haodong
Encyclopedia of production and payment
Today, the Consumer Protection Bureau of the China Banking Regulatory Commission released the consumer complaint report of the banking industry in the second quarter of 2023, revealing the latest complaints about bank credit card business and personal loan business.
In the second quarter of 2023, CBRC received 8 17 16 complaints from bank consumers, involving large state-owned commercial banks 18338, accounting for 22.4% of the total complaints. There are 32,575 joint-stock commercial banks, accounting for 39.9% of the total complaints.
Among the 8 17 16 complaints, there were 39,687 complaints involving credit card business, accounting for 48.6% of the total complaints. There were 9805 complaints about credit card business of large state-owned commercial banks and 26488 complaints about credit card business of joint-stock commercial banks.
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Pufa credit card has the most complaints.
Specifically, the number of complaints about credit card business of Bank of Communications ranks first among large state-owned commercial banks, with 3404, followed by ICBC 1620 and Agricultural Bank 1604. Four to six are China Construction Bank, Postal Savings Bank and China Bank.
The top three complaints about credit card business of joint-stock commercial banks are Shanghai Pudong Development Bank, Industrial Bank and Ping An Bank. There were 6 172 complaints about the credit card business of Shanghai Pudong Development Bank, accounting for 86.6% of the total complaints of Shanghai Pudong Development Bank, 4,093 complaints from Industrial Bank and 33 16 complaints from Ping An Bank.
In addition, three joint-stock commercial banks, China Merchants Bank, China CITIC Bank and China Everbright Bank, had more than 2,000 complaints about credit card business in the second quarter, followed by Minsheng Bank, Guangfa Bank, Huaxia Bank, hengfeng bank and Zheshang Bank.
It can be seen that in the second quarter of 2023, Shanghai Pudong Development Bank became the "king of complaints" of credit cards, and even opened a big gap with other joint-stock commercial banks and large state-owned commercial banks, which also reflected various problems and chaos in the credit card business of Shanghai Pudong Development Bank.
Compared with 37,954 complaints about credit card business in the first quarter, the number of complaints about credit card business increased in the second quarter. In the second quarter, Shanghai Pudong Development Bank ranked second in the first quarter of this year with a complaint of 338 1. In the second quarter, it increased by nearly 3,000 people, almost doubling.
Complaints about credit card business have always accounted for a high proportion in the total complaints of banks, and many banks have more than 80% complaints about credit card business, which has become the bulk of complaints. With the acceleration of bank retail transformation, credit card business, which is regarded as the key to transformation, has exposed more and more problems.
According to Payment Encyclopedia, the complaints of bank credit card business mainly focus on credit investigation, interest expense, installment, collection, credit line and so on. Although the growth rate of bank credit card issuance slows down, the number of complaints about credit card business remains high, forcing banks to adjust their credit card business.
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Be punished by supervision one after another
In the past two years, the credit card business has gradually entered the era of refined operation, and banks no longer pay too much attention to indicators such as card issuance. However, some problems in the credit card business in previous years have not been completely rectified, which has also led banks to frequently receive regulatory fines for credit card business violations.
For example, in the past, in order to compete for credit card users' resources, some banks relaxed the examination of users' qualifications and even stimulated cardholders' consumption by giving high credit. Due to certain risks brought by this excessive credit, some cardholders began to misappropriate credit card funds.
As the king of credit card complaints in the second quarter, Shanghai Pudong Development Bank is naturally a frequent visitor to regulatory punishment. Since last year, Shanghai Pudong Development Bank has been punished many times for its credit card business, and the continuous fines can also show that there is no reason for a large number of complaints about Shanghai Pudong Development Bank's credit cards.
In May last year, Shanghai Banking Insurance Regulatory Bureau
In June this year, Shanghai Pudong Development Bank Credit Card Center was punished by China Banking Regulatory Commission and Shanghai Banking Regulatory Bureau. The main illegal fact is that the management of collection business is not strict, which seriously violates the prudent management rules. The penalty is correction and a fine of RMB 400,000.
With the increasingly strict supervision of credit card business, on the one hand, banks should control the credit line and risk of credit card, on the other hand, they should make clear the red line of credit card business, monitor the flow of credit card funds in real time, and standardize the cardholder's card use behavior.
Related Questions and Answers: Shanghai Pudong Development Bank Credit Card Customer Service Phone 1, Shanghai Pudong Development Bank Credit Card Customer Service Hotline: 400-820-8788. 2. What is the credit card of Shanghai Pudong Development Bank? Pufa Credit Card is a standard dual-currency Visa credit card issued by Shanghai Pudong Development Bank, which enjoys various discounts and can also apply for photo cards for free. 3. Pufa Credit Card has all the basic functions of a general credit card, including: the global universal function of spending money at more than 20 million merchants at home and abroad and withdrawing cash at 840,000 ATMs; The interest-free repayment period is as long as 50 days; Circulating credit function that can be freely controlled; Supplementary card function that can be shared with family members. (1) RMB/USD dual currency settlement. The credit card of Shanghai Pudong Development Bank is a kind of credit card that is settled in RMB and USD respectively. When the cardholder uses this card in China, it will be settled in RMB; When the cardholder uses it abroad, it will be settled in US dollars. After returning home, he can choose to return the amount spent abroad in US dollars or RMB. (2) GM, this cartoon is used by more than 20 million merchants around the world, and more than 840,000 ATMs around the world withdraw cash. (3) RMB repayment in consumption abroad, you can spend and withdraw cash within the credit line without depositing any cash in advance, and experience a relaxed and advanced consumption pattern. (4) Interest-free repayment period. This card can enjoy the interest-free repayment period of consumption while experiencing the new life of signing an account. If you sign an account with this card (excluding cash withdrawal), you can enjoy an interest-free repayment period of up to 50 days from the trading day to the due repayment date. Cardholders only need to pay off the current balance on the statement before the due repayment date, so they don't have to pay interest for these expenses. (5) Minimum repayment amount. This card also stipulates the minimum repayment amount. The minimum repayment amount is the minimum amount that needs to be returned every month. Cardholders are free to choose this repayment method, which can not only flexibly handle their own funds, but also reduce the repayment pressure. (The minimum repayment amount and interest-free repayment period cannot be enjoyed at the same time) (6) Revolving credit, after consumption or cash withdrawal, the available credit line will be reduced correspondingly, but after repayment, the credit line will be restored accordingly-this is the function of revolving credit! You can decide your own consumption and repayment amount according to your own needs and financial situation. It is easy to handle, and it also avoids many repeated procedures for applying for small loans. (7) Cash withdrawal: This card can be used to easily withdraw cash not exceeding the cash withdrawal limit from ATMs marked with UnionPay logo in China and VISA logo abroad, in case of emergency. (Withdrawal does not enjoy interest-free repayment period and minimum repayment amount) (8) Supplementary card, you can apply for supplementary card for your family. The supplementary card enjoys the same credit limit as the main card, and all the transaction details of the supplementary card are listed on the statement of the main card in a unified way, so that the cardholder can grasp the usage of the supplementary card in time.