(1) Report the loss of a credit card first and then reissue it. The following is the process of reporting the loss:

1. If you find that your credit card is lost, you should call the customer service hotline of the issuing bank as soon as possible and report the loss of your credit card orally;

2. Then, according to the customer service tips, you can report the loss orally by providing relevant personal information. After oral report of loss, the report of loss will take effect immediately. If there are consumer expenses after the loss of the credit card is reported, the expenses incurred shall be borne by the bank in full;

3. After reporting the loss orally, you need to reissue the credit card. I took my ID card to the branch of the issuing bank and applied for a replacement at the counter. The staff will reissue the credit card for you. It should be noted that you need to pay a handling fee to report the loss and reissue the credit card.

(2) It usually takes five working days to report the loss of a credit card and seven working days to post it (excluding Saturday and Sunday). It takes a week to reissue a new card after the Bank of Communications reported the loss. It usually takes one week for China Bank to reissue a new credit card and mail it to you after the loss is reported. The credit card of the Postal Savings Bank can be reissued in seven days.

Tips: After the loss is reported, the credit card is basically frozen, but it does not affect the repayment. Be sure to pay attention to your repayment date after reporting the loss of your credit card, and don't overdue the repayment. The overdue repayment in the state of loss reporting will still be recorded in the bad credit record.

Extended data:

I. Consequences of overdue credit cards

1. There is an interest-free period after the credit card is overdue, which is about 20 to 50 days. There is no interest during this period, but if it is not paid back after this period, there will be interest. Besides the principal, you have to pay interest.

2. If it is overdue, it may affect your personal credit information, and your information will be uploaded to the central bank's credit information system, thus becoming a faithless person, which will have a great impact on your taking the high-speed train and buying a house and car in the future.

3. If the overdue period is serious, it will be characterized as malicious overdraft of the credit card, and you will have to bear criminal responsibility and be sentenced, which will bring great troubles to your life.

Second, the basic requirements for handling credit cards:

1, aged between 18 and 65;

2. Have a stable occupation and income;

3. Have good credit and the ability to repay the principal and interest on time;

4. Natural persons with full capacity for civil conduct (robots, vegetarians, minors and people with a certain degree of mental illness are not allowed).

What if I lose my credit card?

You must reissue your credit card in time after you lose it. The first thing to do is to call the customer service of the bank and choose manual service to report the loss of the credit card. But it's not official. After calling to report the loss, you should go to the bank counter in time to formally report the loss and bring your personal ID card. If you lose your ID card, bring your household registration book or something that can prove your identity. If you choose to replace the card, you have to pay a certain fee for replacement.

I. Credit card replacement process:

The first step is to report the loss. When a credit card is lost, the user should first report the loss to the bank, and this time should be controlled within 24 hours. Of course, there are many ways to report the loss, such as mobile banking, customer service hotline, bank counter and so on.

The second step is to reissue it. Of course, it is more appropriate for users to use the counter to handle this link, and they can also ask the bank staff about the credit card during the processing. In addition to the counter, users can also reissue their credit cards by phone. In this way, they can directly access the manual service and tell the telephone staff to prepare to reissue the credit card.

The third step is to mail the new card. The bank will reissue a new card according to the user's request and mail it. When a new card is received, the user can reactivate it.

Repayment after reporting the loss of the credit card: if the user does not receive a new card on the repayment date. Pay off the old card first. If a new card has been successfully reissued before the repayment date, the cardholder can consult the bank's customer service and ask about the new card, and repay the new card without getting the card; If you have got a new card, you will repay it according to the general credit card repayment method.

I. Credit card processing flow:

1. First, you need to choose a bank. The angle of choice can be based on whether there are its business outlets nearby, annual fees, credit card discounts, handling fees and so on.

2. After confirming the bank, you go to its business outlets to get the credit card application form or download the application form online. After carefully and truthfully filling out the application form, you need to prepare the following materials: ID card and photocopy, work certificate and photocopy, as well as some real estate license, deposit certificate, education certificate and other materials that can add points for your review. After that, you can hand it in or mail it to the bank you apply for.

3. Next, wait patiently for the review process. Because credit card review is generally strict, it takes about 15 days for commercial banks and about one month for state-owned banks to give a reply. Has it been approved? What is the credit limit?

After receiving the reply, if it is successful, you just need to wait patiently for the credit card to be mailed to you. If you don't succeed, you can prepare enough information and try again in another bank.

How to reissue the lost credit card?

If the credit card is lost, you can ask the customer service of the issuing bank to report the loss temporarily, and then reissue it. The card will be locked for a certain period of time, but will be automatically unlocked after the expiration. At present, the temporary loss reporting of most banks is free of charge, but after the temporary loss reporting, if it is necessary to formally report the loss and reissue the card, a handling fee of around 50 yuan will be charged.

After reporting the loss, bring your cash and ID card to the designated business outlets to find a staff member to reissue it. Report the loss first, then reissue it. At that time, you only need to call the customer service phone of the relevant bank, press the 0 key or other service keys, and then transfer to the worker service, so as to realize the business of reporting the loss. After the replacement is confirmed, you can receive the new card in about two weeks.

Extended data:

Loss reporting method:

1, call the customer service phone to report 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. The customer service will ask the ID number and name for verification, and the credit card can report the loss after verification. Credit card loss reporting is a charging business, and the charging standard for loss reporting is RMB 60 yuan/card.

2. Report the loss in the business hall of the bank.