Many cardholders have lost or stolen their credit cards, so it is imperative to freeze the credit cards first and then report the loss. However, I would like to remind you that some credit cards are not free, and banks will charge a certain handling fee. Here's a brief introduction to the related situation of credit card loss reporting fee.
Is there a charge for reporting the loss of credit cards?
Although some banks report the loss of credit cards for free, only a few banks do so. Most banks charge a handling fee for reporting the loss of credit cards, so they have to pay if they want to reissue their cards. In terms of fees, banks charge different fees, ranging from the cheapest 20~30 yuan, the middle 40~50 yuan and the most expensive 60 yuan.
In addition, if the cardholder needs to report the loss of a special-shaped card or a financial IC card, the loss reporting fee may be higher. The following are some major bank loss reporting fees:
1. Bank of China: 40 yuan for loss reporting;
2. ICBC: Peony Platinum Card is free, Peony Special Card 10 yuan, other 20 yuan;
3. Agricultural Bank: Jinka and Puka 50 yuan; Platinum card and official card are free;
4. China Construction Bank: 50 yuan for loss reporting;
5. Bank of Communications: the official card is free; The others are 50 yuan,
6. China Merchants Bank: 60 yuan, loss reporting fee;
7. CITIC Bank: 60 yuan, loss reporting fee;
8. Shanghai Pudong Development Bank: free of charge; WOW series card RMB, Singapore tourist gold card 60 yuan;
9. Guangfa Bank: ordinary card, enjoy platinum card 35 yuan; Platinum cards such as business cards and Longteng cards are free;
10, China Everbright Bank: Platinum Card 10 yuan Puka 50 yuan;
What if I don't want to pay the loss report fee?
Some card friends said, isn't it a loss report card? This fee is too high, I just don't want to report the loss. If you don't want to pay the loss report fee, you can do it. Of course, this is also a prerequisite.
If your credit card has not been stolen or confirmed lost, but you can't find it at the moment, you can choose to temporarily freeze the card if you don't want to report the loss. So your credit card function can be suspended.
However, this service has a time limit. Most banks temporarily freeze their cards for 24 hours. If you find the card within this time period, you can call customer service to unfreeze it. But if you don't call the customer service within 24 hours, or you can't find it, then the temporary freeze is designed for the official loss reporting status, and you still have to pay the loss reporting fee.
Reminder: At present, many banks have opened the function of temporary freezing or temporary loss reporting. However, different banks have different time limits for temporary freezing, so cardholders need to pay attention.
Does it cost money to report the loss of a credit card?
Loss reporting of credit cards will generate loss reporting fees. Most credit cards will charge loss reporting fees, and a few designated cards will be exempted from this fee.
How much does it cost to report the loss of a credit card in China Bank?
The loss reporting fee will be charged for the loss reporting of activated cards, and the loss reporting of inactive cards is free. The loss reporting fee is 40 yuan RMB per card (some special cards are free).
The above contents are for your reference. Please refer to the actual business regulations.
How much does it cost to report the loss of a credit card? Fees charged by four banks
After the credit card is lost, the bank will issue a new card to report the loss and reissue it, and can continue to use it after activation. However, the loss reporting of credit cards is not free. Many banks charge money. How much does it cost? Every bank has different rules. Here, I will introduce the fees for reporting the loss of credit cards in four banks.
The money for reporting the loss of a credit card is divided into loss reporting fee and card replacement fee. The specific costs are as follows:
1, China CITIC Bank
1) loss reporting fee: ordinary credit card 40 yuan, unlimited card and world card are free to report the loss;
2) Card replacement fee: free card replacement for ordinary credit cards, unlimited card replacement fee of 50 yuan/card, and world card replacement fee of 50 yuan/card).
2. Industrial Bank
1) loss reporting fee: 50 yuan is charged for loss reporting of credit cards, and other cards are free;
2) Card replacement fee: 20 yuan/card. If express delivery is required, 20 yuan/Card express fee will be added. Some platinum credit cards enjoy discounts.
3. Bank of Communications
1) loss reporting fee: only for activated cards, 50 yuan/cards, not for inactive cards;
2) Card replacement fee: for inactive cards, business cards and standard platinum credit cards, it is free. Ordinary card is 15 yuan/card, and personality cards is 15- 1000 yuan.
4. Guangfa Bank
1) loss reporting fee: ordinary credit cards are RMB per card, and high-end platinum cards are free;
2) Card replacement fee: magnetic stripe card? 15/ card, IC card? 20/ card, VISA/ MasterCard single identification card is converted into 3 dollars at the exchange rate on the day of entry.
The above is the introduction of "How much does it cost to report the loss of a credit card". It should be noted that no matter which bank, the credit card loss reporting fee is directly deducted from the credit card limit and included in the first credit card billing date, and it must be repaid before the end of the last repayment date, otherwise it will generate penalty interest and affect credit.
This is the end of the introduction about whether the loss reporting fee and overdue fee of credit card can be eliminated. I wonder if you found the information you need from it?