Everbright and Minsheng Credit Card Center were fined.

On June 2nd, China Everbright Bank Credit Card Center and China Minsheng Bank Credit Card Center received a penalty of 800,000 yuan due to serious credit card collection.

The reporter's investigation found that the two bank credit card centers that were punished were high in 2021, and many cardholders claimed that their violent collection was encountered.

Obligations and recovery were severely punished

On June 2nd, the Beijing Supervision Bureau of the Bank of China Insurance Supervision and Administration (hereinafter referred to as the Beijing Banking Regulatory Bureau) issued two penalties:

China Everbright Bank Credit Card Center (hereinafter referred to as the Everbright Credit Card Center) was ordered to make corrections due to the serious caution of credit cards and gave a total of 800,000 yuan in administrative penalties. The penalty date was May 26 this year.

China Minsheng Bank Credit Card Center (hereinafter referred to as Minsheng Credit Card Center) was also punished by ordering corrections and fines of 800,000 yuan on the same day. The cause of violations is exactly the same as the Everbright Credit Card Center.

The reporter noticed that the Beijing Banking Insurance Regulatory Bureau's penalties are based on Article 46 of the Banking Industry Supervision and Administration Law, which stipulates that "the banking financial institutions have one of the following circumstances, and the banking supervision and management agency of the State Council shall be ordered to make corrections , And imposed a fine of more than 500,000 yuan or less ... "

A banking industry told reporters that the amount of 800,000 fines exceeded the fine limit specified in the clause, indicating that there were a number of illegal and illegal acts in the credit card centers of the two banks, and the circumstances were serious.

There are many complaints for violence

In March of this year, the China Banking Regulatory Commission issued the "Notice on the Consumption Complaint of Banking Industry in the Fourth quarter of 2021". The report shows that in the banking consumer complaints received and transferred by the Banking Regulatory Commission and its dispatched agencies, complaints involving credit card business are the most concentrated, accounting for 49.6%of the total complaints.

According to statistics from the reporter, in 2021, the consumption complaints of Everbright Credit Card reached 14,967, ranking first among joint -stock banks, of which the top complaints were topped in two quarters. Minsheng credit card has more than 13,000 complaints throughout the year, ranking fifth in the joint -stock bank.

What illegal acts have caused a lot of complaints?

On June 13, the reporter retracted the keywords of "Everbright Bank Collection" on the Black Cat Complaint Platform, and a total of 853 related complaints were found. Among them, a number of consumers complained that the Guangda Credit Card Center was recovered, including commissioned outsourcing companies to collect violence, leak personal information, phone SMS threats, and telephone harassment.

Minsheng credit card has nearly 600 collective complaints on the platform. Consumer Ms. Luo complained on May 28 that after negotiating with the bank, she received two collection messages early in the morning. Send the household registration address, please handle the withdrawal case before 3 pm. " Most complaints report that the recipients of the Minsheng Credit Card Center have adopted on -site intimidation and continuous calls.

The reporter's investigation found that credit cards' illegal collection has become a heavy disaster -stricken area for consumer complaints. The report shows that in 2021, the bureau received a total of 16,436 complaints, of which the number of credit card complaints was 10,492. The credit card business complaint was mainly concentrated in negotiation repayment, reflection of collection and credit reporting disputes, interest fees and pricing disputes, respectively. It is 60.67%, 19.78%and 17.33%.

Standardize credit card collection

On January 1 this year, the "Credit Card Collection Reception (Trial)" (hereinafter referred to as "Guidelines") issued by the China Banking Association began to be implemented.

The "Guideline" clearly states that the collection personnel did not agree with the debt, and it was strictly forbidden to enter the phone and visit the collection at 8 am at 10 pm.

The "Guidelines" requires that it is strictly forbidden to collect or harass the third ⼈, which has nothing to do with debt, and contact the third cricket to disclose the detailed debt arrears information and the amount of debt. Confer the debt 行 to contact the bank; when the third ⼈ clearly requires not to be contacted, it is confirmed that it is not related to the third ⼈, and the recipients should restrict the follow -up contact.

On May 19, the China Banking Regulatory Commission issued the "Administrative Measures for the Protection of Consumer Rights Protection (Draft for Soliciting Opinions)" and prohibited provisions of the acceptance of the collection. Debt voluntaries inform the specific debt information and personal sensitive information; take the use of administrative agencies and judicial organs to implement income; adopt improper means such as violence, intimidation, fraud, and threats; use other means of illegal illegal and violation of public order and customs for collection.

Dong Zhengwei, a lawyer of Beijing Lianggao Law Firm, said in an interview with a reporter:

The collection agency pretended to be the collection of public prosecutors, calling and texting from relatives and friends of the borrowers, and sending text messages, malicious harassment and other collection behaviors were soft and violent collection. It is an illegal act that the regulatory department clearly prohibited.

If consumers encounter counterfeit public prosecution laws or on -site collection behaviors, they can request the collection personnel to provide detailed work units and contact information, timely retain evidence, and then complain or alarm with regulators. (Source: "China Consumer News" WeChat public account)

- END -