How to turn off the worry-free service of Bank of Communications credit cards
1 Users who have activated the worry-free service of Bank of Communications credit cards can bring their ID cards and bank cards to the offline branches of Bank of Communications Just do the cancellation business.
2. If you have opened online banking, use the SMS password to log in to the credit card page. You can cancel it in the value-added service item, but the service fee that has been deducted is not refundable.
3 Call the Bank of Communications Credit Card Customer Service Center. There is a number on the back of the card, transfer to manual service, and then follow the staff's instructions to cancel.
Bank of Communications credit card SMS reminder service:
Bank of Communications credit card SMS reminder service includes two services: "worry-free card use" and SMS reminder for large-value transactions
The "Worry-Free Card Use" service provides instant SMS reminders for each transaction and 48-hour card loss protection service. It is a service launched to improve the security of credit card use. Instant SMS reminders can ensure that cardholders are informed of every transaction that occurs with a credit card, thereby minimizing or avoiding the possibility of mistaken or fraudulent transactions, while the 48-hour lost card protection can compensate cardholders for stolen credit card transactions. and suffered financial losses. The large transaction SMS reminder service only provides instant SMS reminders for transactions with a single transaction amount higher than the specified amount.
"Worry-free card use" service
"Worry-free card use" service is that Bank of Communications provides contracted cardholders with consumption and cash withdrawal transaction reminders and repayment transactions through mobile phone text messages. Bank value-added services such as reminders (repayment at counters and self-service equipment) are paid services. Customers who customize the "worry-free card use" service will receive a 48-hour card loss protection service during the service period.
48-hour card loss protection
The 48-hour card loss protection is provided by Bank of Communications through insurance from relevant insurance companies. Cardholders sign up for the "worry-free card use" service, that is, The cardholder is deemed to agree that Bank of Communications, as the policy holder, will use the cardholder's necessary personal information to purchase card loss protection insurance for the cardholder (as the insured) from the relevant insurance company.
The "worry-free card use" function of Bank of Communications credit card:
1. Worry-free card use is a value-added service provided by Bank of Communications to credit card customers with transaction SMS reminders as the core. ; Worry-free card use will provide text message reminders for three types of transactions: consumption, cash withdrawal and repayment.
2. On this basis, a 72-hour card loss protection is included, which mainly includes transactions through merchant transaction terminals (POS) or theft caused by designated online transactions, excluding cash withdrawals, transfers and telephone transactions. .
3. Card Free provides "online transaction fraud insurance". As long as it is an online physical shopping transaction under specified conditions, you can enjoy the fraud protection with a maximum cumulative compensation of 5,000 yuan per card per insurance year. It can not only help customers understand their card usage in a timely manner, but also reduce financial losses when their cards are stolen, providing customers with security and peace of mind.
I have a Bank of Communications credit card. What does it mean to deduct 12 yuan from the Worry-free Information Card every month?
What does it mean to deduct 12 yuan from the Worry-free Information Card every month? The "Worry-Free Card Use" SMS service fee is deducted at RMB 12 per month. Bank of Communications' "Worry-Free Card Use" service provides instant SMS reminders for each transaction and comes with a 96-hour card loss protection.
Transaction instant SMS reminder will notify the cardholder of each credit card transaction (including consumption, cash withdrawal, and repayment) through mobile phone text messages, thereby minimizing or avoiding the occurrence of mistaken or stolen transactions. Possibility; 96-hour lost card protection can compensate cardholders for financial losses caused by credit card theft under specified circumstances.
Extended information:
Worry-free card signing and charging rules
1. The "worry-free card" service is activated on a per-user basis, only for the main card holder Cardholders can sign a contract. If a cardholder holds multiple Bank of Communications principal credit cards, he only needs to sign up for one principal card, and all Bank of Communications principal credit cards and supplementary cards attached to the principal card in the cardholder's name will automatically activate the "worry-free card use" service .
2. The "worry-free card use" service charges service fees on a per-household basis.
The charging standard for "Worry-Free Card Use" service is 4 yuan/household/month, which will be deducted at a uniform rate of 12 yuan/household every three months.
3. Signed a contract before September 24, 2016 (inclusive) For supplementary card customers with the "Worry-Free Card Use" service, starting from November 1, 2016, all cards under the name of the principal cardholder corresponding to the supplementary card will be automatically activated and enjoy the "Worry-Free Card Use" service, and only on a per-user basis. A fee will be charged.
4. The "Worry-Free Card" service fee is calculated on a three-month cycle, and will be deducted on the day after the service subscription date, and will be credited to the current credit card. The cardholder shall repay the bill normally within the repayment period shown on the bill; if the cardholder does not cancel the subscription before the expiration of the service period, the service will be automatically renewed.
5." Card Worry-Free" service provides cancellation services on a per-user basis, and only the main cardholder can cancel the subscription. During the service period, if the cardholder cancels the subscription, the service fee collected will not be refunded, and the service will only be provided to the customized service.
6. The Bank of Communications credit card used to sign up for the "Worry-free Card Use" service is in an abnormal state and cannot be used for normal transactions when any service period expires. , and if the cardholder fails to cancel the subscription before the expiration of the period, the cardholder agrees that Bank of Communications can choose any card among the main credit cards with normal account status under his name to deduct the corresponding service fee.
The service fee will be recorded in the current credit card statement of the card.
7. The BOSS card needs to sign up for and unsubscribe from the "Worry-Free Card Use" service separately. Corresponding service fees will be charged.
Bank of Communications - Worry-free card use
How long does it take to reissue a Bank of Communications credit card loss report?
It takes 7 steps to reissue a Bank of Communications credit card.
According to Bank of Communications regulations, the following procedures must be followed for lost credit cards:
1. Show your ID card and verify UnionPay card information;
2. Report the loss of your UnionPay card and keep the loss report certificate;
3. Wait for notification from the bank. Generally, you need to wait 7 days to apply for a new bank card;
4. Apply for a replacement Bank card, show the loss report certificate;
5. The counter staff will handle the card replacement procedure;
Note: Loss report requires a loss report fee, and replacement can only be done at the bank where the account is opened.
After a credit card is lost, you must report the loss promptly, which can reduce the risk of credit card theft and minimize the cardholder's property losses. Bank of Communications provides credit card customers with a 72-hour card loss protection service, which can protect the card before it is officially reported as lost. Fund losses occurred within 72 hours.
1. Bank of Communications credit card loss reporting and card replacement
You can report credit card loss through telephone banking, online banking, mobile banking and credit card customer service hotline. Once a credit card is reported as lost, it cannot be restored and the old card cannot be used. If you need to replace the card, you can go to the credit card customer service hotline.
2. How to report the loss and replacement of the Bank of Communications credit card
How to report the loss
Report loss via telephone banking: Dial the credit card customer service hotline 400-800-9888 or 95559 → Press 1# (report loss of credit card);
Report loss through online banking: Log in to online banking → Credit card → Credit card management → Report lost credit card.
Report loss in mobile banking: Log in to mobile banking → Credit card → Report loss of credit card → Select.
Card replacement method
Card replacement: Currently you can only apply for credit card replacement through the credit card customer service hotline.
3. Bank of Communications credit card loss report and replacement fee
Lost report fee:
Currently activated cards will be charged a loss report fee, and unactivated cards will be charged a loss report fee. There is no handling fee for reporting a loss.
The charging standard for domestic loss reporting handling fee: RMB 50 per card per time (loss reporting for business cards is free);
The charging standard for overseas emergency loss reporting handling fee: RMB per card per time 50 yuan (free of charge for overseas emergency loss reporting of platinum credit cards).
Card replacement handling fee:
The charging standard for domestic reissue of new cards: RMB 15 per card per time, and an additional RMB 35 for expedited processing (Platinum credit card business Card reissue is free of charge).
The charging standard for overseas emergency card replacement is: US$175 per card for VISA card, US$148 per card for MasterCard card, free for gold and platinum credit cards.
4. Effective time for reporting loss and replacement of Bank of Communications credit card
The report of loss and replacement of credit card will take effect immediately. The new card will be issued according to the mailing address registered by the cardholder at Bank of Communications. It is sent by registered mail, usually within 3 days, and you can receive the new card in about 10 days. After receiving the new card, you also need to activate it before you can use it!
My Bank of Communications credit card is lost, how can I apply for a replacement online?
You cannot reissue directly online. You need to call the bank customer service to explain the situation and report the loss for reissue.
1) Report loss and replace card
If your card is lost or stolen, please call the 24-hour customer service hotline immediately to formally report the loss. The loss report will take effect immediately and a certain amount of money will be charged. There is a fee for reporting a loss (please refer to the charging standards for details). In order to ensure the security of your account, once the loss report takes effect, it cannot be revoked and the card will become invalid immediately.
If you need to replace the card, we will check the information with you. After confirming that it is correct, we will re-make and mail you a new card, and charge a certain amount of card replacement fee (for details, please see the charging standards). The new card will be new and sent to your mailing address.
Platinum Card Service Hotline: 4008-666-888
Standard Card, Y-POWER Card, Business Card, Shanghai Travel Card, Expo Card Service Hotline: 400-800-9888
Co-branded card service hotline: 400-889-3888
Quasi-credit card service hotline: 400-809-5559
2) Damage, degaussing and replacement of cards
When your credit card can no longer be used due to damage, breakage, or degaussing of the magnetic strip, please call the 24-hour customer service hotline on the back of the credit card to apply for a card replacement.
3) Card renewal upon expiration
Under normal circumstances, our bank will automatically renew a new card for you within two months before your credit card expires. And the new card will be sent to your mailing address by registered mail, without any procedures on your part.
To ensure your rights and interests, when you receive the new card, please sign your name in the signature box on the back of the new credit card, and activate it through online banking, mobile banking, telephone banking, two-way SMS and other channels. . After you complete the activation procedures for the new card, cut off the old card and destroy it yourself.
While you do not receive a new card, your old card can still be used until it expires. If you fail to receive a new card in time before the credit card expires, please call the 24-hour customer service hotline on the back of the credit card to inquire. If your mailing address changes, please contact us in time to avoid affecting your use of the card.
Extended information:
Bank of Communications credit card security
In order to protect your card security, Bank of Communications provides the following services to facilitate your The card offers multiple protections, freeing you from worries.
1. Password signature
You can choose to activate the function of using password to confirm transactions when swiping cards at China UnionPay merchants. If the activation is successful, you need to use the "password signature" to sign at China UnionPay merchants. Make POS purchases (except overseas China UnionPay merchants, VISA and MasterCard merchants with signs that include "only accept credit cards" or "only support signatures", you can swipe card purchases without the transaction password) to ensure the security of your card use.
2. Transaction text message reminder and card loss protection
It is recommended that you activate the universal card worry-free service to enjoy instant text message reminders for every card consumption and cash withdrawal transaction, so that you can grasp it in real time Transactions on your card, try to reduce or avoid the possibility of mistaken or stolen transactions. At the same time, you can also enjoy the lost card protection service 72 hours before reporting the loss, which can compensate the cardholder for the financial losses caused by the credit card being stolen.
After the cardholder loses his credit card and reports the loss to the credit card center, the insurance company will compensate the cardholder for the theft of funds that occurred within 72 hours before the cardholder reported the loss based on the actual situation. The maximum compensation amount is 100,000. RMB/household/year.
The charging standard for worry-free card use: 4 yuan/household/month, with a uniform deduction of 12/household every three months. For details, please see the introduction of the worry-free card use service
3.24 hours Loss Reporting Service
If you lose your credit card, please call our 24-hour customer service hotline immediately to apply for loss reporting. It is recommended that you save the customer service hotline in your mobile phone address book so that you can contact us promptly in the event of such an emergency.
4. Abnormal transaction monitoring
Bank of Communications Credit Card adopts an advanced transaction monitoring system to comprehensively monitor your card security 24/7. For some suspicious transactions, we will contact you as soon as possible to confirm the authenticity of the transaction with you, so that you can use the card with more peace of mind.
Reference materials: Bank of Communications - Card Management
Bank of Communications - Card Security
Does anyone know what the "worry-free card use" of Bank of Communications credit cards is? What are the benefits?
It is a credit card SMS notification service launched for credit card holders.
The "worry-free card use" function of the Bank of Communications credit card:
The charging standard for the "worry-free card use" service is 4 yuan/card/month, which is uniformly charged for every three 12 yuan per month/card deduction.
1. On this basis, it also comes with 72-hour card loss protection, which mainly includes transactions through merchant transaction terminals (POS) or theft caused by designated online transactions, excluding cash withdrawals, transfers and telephone transactions. .
2. Worry-free card use is a value-added service provided by Bank of Communications to credit card customers with transaction SMS reminders as the core; Worry-free card use will provide SMS messages for three types of transactions: consumption, cash withdrawal and repayment. remind.
3. Card Free provides "online transaction fraud insurance". As long as it is an online physical shopping transaction under specified conditions, you can enjoy the fraud protection with a maximum cumulative compensation of 5,000 yuan per card per insurance year.
Extended information
The "worry-free card use" service charges service fees based on the card. That is, if the cardholder activates multiple main cards at the same time, or activates the main card and supplementary cards at the same time, or activates the "Worry-free Card Use" service with multiple supplementary cards at the same time, each main card and supplementary card will be charged according to the above Standard fees are charged separately, and supplementary card fees are charged to the main card account.
The "Worry-free Card Use" service fee is calculated on a three-month cycle and will be deducted on the day after the service subscription date and included in the current credit card statement. Repay normally within the repayment period shown on the bill; if the cardholder does not cancel the subscription before the expiration of the service period, the service will be automatically renewed (the card account will be in an abnormal state and unable to conduct normal transactions when any service period expires) except). During the service period, if the cardholder cancels the subscription, the service fee collected will not be refunded, and the service will be provided until the end of the ordered service period.
Bank of Communications Credit Card is a credit brand product jointly launched by Bank of Communications and HSBC. Its user positioning is "a group of people who have ideals and pursuits in life and career, know how to enjoy, and are more willing to struggle. Sometimes there are people who want to study, do business, research or travel abroad.
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