1. Stop payment refers to the behavior that the holder or drawer requests his bank to stop payment for the cheque after it is issued due to loss or other reasons.
The holder or drawer can notify the bank by telephone first, and the bank will agree to stop payment after receiving the written confirmation. The customer must indicate the number, amount, date and payee's name according to his check stub. Once the bank receives the request to stop payment, it first checks whether the check has not been paid. If it is not paid, the ticket will be returned with a reply of "stop payment" or "cancel payment". If the customer's written confirmation has not arrived, the bank's reply is "waiting for the confirmation of the payment stop order". All these answers must be told to the payee, who will find the drawer to solve the problem.
2. Credit card payment suspension is a precautionary measure taken by banks to strengthen management, ensure safety and prevent losses and adverse effects caused by fraudulent use of fake and lost cards. At the same time, it is also an important link to stop the payment of the main card or the supplementary card at the request of the cardholder, so as to reduce the losses and risks of the cardholder.
(1) Scope of credit card payment suspension
Credit card payment suspension is generally divided into cardholder's initiative to stop payment, card-issuing bank's initiative to stop payment, head office's initiative to stop payment and cardholder's initiative to cancel payment.
(2) types of stop payment
① loss reporting card;
② The main card requires to stop paying the subsidiary card, and the company requires to stop paying the company card;
③ credit cards that exceed the limit and fail to repay within the time limit;
④ emergency stop payment card in this period.
iii. Stop payment when the bill is reported lost
Stop payment refers to a remedy after the bill is lost, in which the loser informs the payer of the fact that the bill is lost and instructs the payer to stop paying the bill. Pay attention to the following points when reporting the loss and stopping payment: (1) Only those who have lost the ticket have the right to notify to stop payment. (2) It must be paid in time. If it has been paid before the loss is reported, if the payer has no malice or gross negligence, the consequences will be borne by the loser. (3) Report the loss in writing. In special circumstances, you can use oral forms such as telephone, and then immediately go through the written formalities. (4) The lost bills must be legal and valid bills, and the bills seized, confiscated or judged by the judicial organs to belong to others, and the original obligee may not apply for reporting the loss and stopping payment. (5) Within 3 days after the loss is reported, it shall apply for public notice or bring a suit in a people's court.