1. Apply for temporary loss report

Loss report can be temporary or permanent, and temporary loss report is free, which many people don’t know. Therefore, generally when you call customer service to report a loss, you will default to a permanent loss report that requires a fee. Applying for a temporary loss report allows the owner time to find the card. Once the credit card is found, he can call to cancel the business, thus eliminating the cost of reporting the loss.

2. Apply for a loss report

If your card is lost in the toilet or other places where the chance of being picked up is very low, and you don’t want to change the card, then you can directly It is undoubtedly best to apply for a loss report. To report a loss is to treat the card as damaged and issue a new one. Many banks report damage for free, and some only charge a cost of about 10-20 yuan.

3. Apply for a new card

If the cardholder confirms that he cannot find the original credit card, he can apply for a new card from the card-issuing bank. As an old customer of the bank, it is much faster to apply for a new card review and issue the card. The card number of the new credit card will be different from the original one. If the cardholder's original credit card has been linked to some services such as automatic repayment of insurance premiums, he must remember to update the information in time and properly protect his new card.

4. Lower the limit or cancel the card

If you hold more than one credit card from the same bank and one of the cards is lost, you can apply to adjust the card limit. As low as 1 yuan. Because the quotas of these cards are exclusive, and the quotas of other cards will not be affected after the reduction. If you don’t need the lost card, you can apply to cancel your account. However, before that, remember to transfer the points of the lost card to other cards to avoid waste

Credit cards, also called credit cards, are credit cards issued by commercial banks or credit card companies to consumers with qualified credit. prove. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the specified credit limit. The so-called credit card generally refers to a credit card only.