The credit card has never been used. Why should I return it?
There are two main situations that need to be treated differently.
1, the credit card has been charged.
It is not directly related to whether the credit card is used, because it is a rigid fee, and it must be paid as long as the card is verified. It mainly includes two kinds of fees, one is the annual fee for high-end cards, and the other is the subscription fee for special cards. The main reason for the deduction is that it can provide benefits different from those enjoyed by other credit cards, just like wool is on sheep.
Unless the bank collects fees indiscriminately, it will have to pay back on time. After the bill comes out, we will start to prepare the repayment money. It must be returned before the deadline of repayment date, and the grace period of the issuing bank cannot be exceeded at the latest. If you don't repay, it will be overdue, and you will have to charge a penalty interest, which will affect the credit investigation. Even if it is only a few tens of dollars, the bank will not be soft.
It was stolen by others.
This is a serious situation. It is said that acquaintances are more likely to commit crimes, because they can easily grasp the cardholder's information and have the opportunity to activate the card for stealing. Some people may say that they didn't swipe their cards and there is no need to return them. Having said that, don't forget that a credit card will only ask the cardholder for debts unless it can be proved that it is not my card.
The correct way is to call the customer service immediately to report the loss when you find that the credit card has been stolen, then go to the POS machine to operate the credit card for evidence collection, then call the police to the public security organ to get the report receipt, and mail the evidence of the non-personal card and the report receipt to the credit card center. After the bank confirms, it may not be necessary to repay.