The loss of a credit card shall be reported to the bank by the cardholder himself. Generally, you can report the loss through telephone banking, mobile banking and online banking. After reporting the loss, you can choose to replenish the card or not. If you choose to report the loss and replace the card, the new card will be mailed to the cardholder's billing address, and the password is different from the original card. After receiving the card, reactivate and set the transaction password. If you choose to report the loss without replacing the card, then paying off is equivalent to canceling the card.

Is reporting the loss of a credit card the same as canceling it?

Loss reporting and cancellation of bank cards are two different operations. The loss reporting of a bank card belongs to account freezing, and it can be used as long as it is thawed, but the cancellation of a bank card belongs to a clearing account, and this card cannot be used in the future.

First, the behavioral reasons are different.

Reporting the loss of a bank card means that the cardholder can't find the card or the card is lost, so he needs to continue to use this card to cancel and reissue it.

The cancellation of a bank card means that the cardholder no longer needs this card to cancel.

Second, the behavior results are different.

Bank card loss reporting card funds are frozen and cannot be used, and the card with supplementary number can be used.

The account number of the bank card cancellation card is invalid, and it can no longer be used after capital settlement.

The difference between the two is that the loss reporting of bank cards does not mean the cancellation of bank cards. You can reissue a new card or cancel your account after reporting the loss. Account cancellation is the result of loss reporting.

Third, credit card loss reporting and replacement business

Loss reporting of a credit card means that the original card is lost or invalid, but the bank will keep the user's information, and the user can reissue a new card at any time. There are two options for credit card cancellation: card cancellation or account cancellation. Card cancellation means the cancellation of a single credit card. After the card is cancelled, the account still exists, so it can be restored. The account cancellation belongs to the account cancellation of bank credit card account. Once the account is closed, all the credit cards in the bank's name will be cancelled, and the cards cannot be recovered after the account is closed.

Therefore, if the credit card is lost and you want to continue to use it, it is best to report the loss and reissue it. If the credit card is not used for a long time but can't be found, it is recommended to cancel the card or account directly to avoid the annual fee of the credit card.

Extended data:

There are three types of bank card loss reporting: password loss reporting, certificate loss reporting (commonly known as bank card loss reporting) and password and certificate double loss reporting.

Password loss reporting is applicable to the case that the bank card is not lost, but the password is forgotten. After the reset password is unlocked, the original bank card can be used normally;

Report the loss of the voucher is applicable to the case that the bank card is lost, but the password is remembered. After the replacement card is decoupled, the new bank card is used, and the original bank card, that is, the lost bank card, is automatically invalidated, and the password is the original password;

Double loss reporting is applicable to the case that the bank card is lost and the password is forgotten. It usually takes seven days to decouple. After decoupling, apply for a new bank card and set a new password, and the original bank card will automatically become invalid.

Is the loss reporting and cancellation of credit cards the same?

Loss reporting of credit card (debit card) means that the original card is lost or invalid, but the bank will keep the user's information and the user can reissue a new card at any time. There are two options to cancel a credit card (debit card): card cancellation or account cancellation. The cancellation of a card refers to the cancellation of a single credit card (debit card). After the card is cancelled, the account remains and can be restored. The account cancellation belongs to the bank credit card (debit card) account cancellation. Once the account is closed, all credit cards (debit cards) under the bank's name will be cancelled, and the cards cannot be recovered after the account is closed.

So I lost my credit card (debit card). If you want to continue to use it, you'd better report the loss and reissue it. If the credit card (debit card) is not used for a long time but cannot be found, it is recommended to cancel the card or account directly to avoid the annual fee of the credit card (debit card).

Is there a difference between "loss reporting" and "replacement" of credit cards?

Reporting the loss is to temporarily freeze the credit card. During the loss reporting period, the credit card will not be used, which can protect the cardholder from loss after the credit card is lost, while the replacement card is due to the loss of the card or the loss of the card.

There are two ways to report the loss of a credit card and reissue it, and the required information is different: ID number and name are required to report the loss by telephone, thank you for verification; To report the loss at the bank counter, you need the cardholder's ID card.

1, customer service phone reported the loss.

Call the customer service phone on the back of the credit card, enter the loss reporting area, and make a loss reporting request to the bank credit card customer service. Customer service will ask you to provide your ID number and name for verification. After verification, you can report the loss of your credit card.

2. Credit card loss reporting is a charging service.

The charging standard for loss reporting is 60 yuan/card. If you need to reissue a new card after reporting the loss, you need to pay an additional fee of 65438 yuan +05 yuan/card. The reissued credit card will be mailed to your billing address within about ten working days. If you need express delivery, you also need to pay the express delivery fee in 20 yuan.

Credit cards explain the difference between loss reporting and loss reporting.

When swiping the card, the report loss card is displayed, indicating that the card has been reported lost.

Cardholders spend a lot on credit cards. In order to ensure the safety of bank cards and funds, the banking system took the initiative to temporarily freeze bank cards. In general, loss reporting is a business in which users declare their bank cards or bankbooks invalid in order to avoid property losses. When the cardholder makes a transaction in a risky merchant and the transaction amount is large, the banking system may also temporarily report the loss of the card.

Is reporting the loss of a credit card the same as canceling it?

Loss reporting and cancellation of credit cards are different. Reporting the loss of a credit card will invalidate the reported credit card, but the relevant information of the credit card will be kept by the bank, and users can reissue a new card at any time. The cancellation of a credit card is to delete the relevant information of the credit card. After the cancellation of the credit card account, there is no credit card related information of any user in the bank. Therefore, users need to distinguish between credit card cancellation and loss reporting.

Many cardholders will report the loss of their credit cards after they are lost or stolen, but they will not apply for a replacement card, thinking that their credit cards will be automatically cancelled. Actually, it's not. Loss reporting and cancellation of credit cards are two different concepts with different meanings and results. Let's take a look at them.

1. If the credit card is reported lost, it will not be replaced.

After reporting the loss of your credit card, your credit card will be frozen, but it will not be automatically cancelled. But the credit card can't be used. If the credit card is not paid off, it will still be billed every month, especially if the credit card is in installments.

It should be noted that if you choose "report the loss without changing the card" when reporting the loss of your credit card, it will be regarded as the cancellation of the card, which means that you have lost the right to use this credit card forever and can be regarded as the permanent cancellation of the card. If you want to use this card, you must reapply.

2. Credit card cancellation

You should know that the bank will close the credit card account only after all the arrears are settled, and there will be a 45-day buffer period for bank account closing.

And account cancellation is different from card cancellation. Returning a card is just canceling a credit card, and canceling an account is canceling all credit cards in your name. Then the credit card personal information account you left in the bank will be cancelled. After closing your account, you are like a white account in this bank. After applying for a credit card, you will be a new account.

To sum up, the credit card failed to report the loss, not to cancel the account. Everyone should pay attention to this. If you really don't want to use a credit card after reporting the loss and don't choose to reissue it, I suggest you settle the credit card arrears and take the initiative to find a bank to cancel the account, so as to avoid other expenses.

What does it mean to report the loss of a credit card? What does it mean to show the loss of a credit card by swiping it? This concludes our introduction. I wonder if you found the information you need from it?