How to replace a lost Bank of Communications card?

First report the loss and bring your ID card to a bank branch to get a replacement.

When a bank card is accidentally lost, report the loss as soon as possible. Loss reporting is generally divided into temporary loss reporting and formal loss reporting. Temporary loss reporting generally refers to verbal loss reporting over the phone. You can call the service hotline of the card-issuing bank. Some card-issuing banks' telephone loss reports are effective in a timely manner. Some card-issuing banks only assist in preventing temporary loss reports and do not bear any losses. Temporary loss reports may be automatically lifted after the specified time exceeds.

A formal loss report refers to a written loss report, which can be handled at the designated outlet of the card-issuing bank. If the bank allows others to be entrusted to report the loss on their behalf, then when entrusting others to handle the loss report, the cardholder's power of attorney and relevant documents should be brought along.

After making a formal loss report, you should pay attention to the effective time of the loss report and the fund changes in the account. If you find any suspicious transactions, you should promptly ask the bank to assist in the inquiry. If the amount is large, you can ask the public security department to file a case for investigation.

When you find that your card is lost outside the location of the card-issuing bank, you should promptly report the loss at a designated outlet. The card-issuing bank can also provide appropriate emergency withdrawal services according to your requirements. The cardholder is not responsible for the amount of losses caused by fraudulent use after the loss report is officially effective.

How to prevent the loss of credit cards and bank cards?

First of all, we need to prevent the physical loss of bank cards. Don't put a lot of bank cards in your wallet to look cool, because if the wallet is lost or stolen, the password of these bank cards will be easily cracked or the funds will be stolen. Even if users put their ID cards and bank cards together, criminals can go directly to the bank counter to withdraw funds. If the bank staff is negligent, they will directly report the loss without a password and withdraw the funds.

Don’t sell your bank cards. There are currently many illegal small advertisements on the Internet, all of which promote the purchase of blank bank cards at high prices, and the high profits that can be obtained. These attract uninformed friends to seek temporary gains and sell bank cards with their own identity information to criminals. . Once criminals use your bank card to engage in illegal activities, you will be the one who bears legal responsibility!

Keep your identity documents and security devices attached to your bank cards safe. As mentioned earlier, many friends accidentally lost their ID cards and bank cards together, causing losses to their property. In fact, it is not only the ID cards that need to be protected, but also documents such as U-shield, A security device attached to a bank card such as an electronic PIN device. Once these things are lost, the consequences will be disastrous. Criminals may use your ID card to apply for bank cards.

When the bank card is not used, it is necessary to cancel the account in time and destroy the bank card. Many friends just throw it away after there is no money in the bank card. If they don't go to the bank counter in time to cancel the account in time, they think that the card is invalid and can be automatically invalidated after a long time. In fact, it is not the case. If the information on this card still exists, it will be used by criminals. After going to the bank to cancel your account, friends, remember to cut this card in time.

What to do if the Bank of Communications credit card has expired

According to the current information, we can understand that if the Bank of Communications credit card has expired, you can go to the Bank of Communications counter to apply for a reissue or cancel it, but be careful not to cancel it. If you have outstanding debts, your personal credit may be affected.

Credit card cancellation process:

1. Call the bank customer service number and apply to cancel the credit card. Note that the bank customer service will usually try to retain you at this time. If you decide to cancel the card, don't listen to his "fooling" and insist on canceling it.

2. From the time you apply for cancellation by phone to the official cancellation, there will be a settlement period of 30 to 45 days. During this period, you must not use your credit card to make purchases.

3. 40 days after cancellation, call the bank customer service number to confirm whether the cancellation is successful, so as not to leave a bad record for yourself due to special reasons.

4. Do not throw away canceled credit cards. Cut the magnetic strips into pieces before throwing them away to avoid being picked up by criminals and causing losses to yourself.

Before canceling a credit card, you must ensure that there is no balance in the credit card, neither arrears nor excess deposits.

Because once a credit card has a balance, it cannot be canceled.

Four important things to note when canceling or canceling a credit card account

First, before applying for account cancellation or cancellation of a credit card, make sure that the points in your credit card have been collected. Redeem to avoid wasting points. Because credit card points are consumption rewards given to users by the card-issuing bank, they can be redeemed for corresponding items at the card-issuing bank. After the account is closed or the card is canceled, all the points in the card will be reset to zero, so you must redeem the points before closing the account or canceling the card to avoid unnecessary losses.

Secondly, you must not use your credit card during the period of closing your credit card account. Because there will be a 45-day "clearance period" before the credit card account cancellation officially takes effect. During this period, if you try to use the credit card again, the account cancellation will fail. Therefore, if you are not sure whether the account cancellation is successful, you can contact the card-issuing bank to inquire. Of course, if the user regrets the account cancellation before it officially takes effect and wants to withdraw the application for account cancellation, he or she can contact the card-issuing bank to re-enable the function.

Thirdly, you need to be careful when canceling your account or canceling your credit card after it expires. If your credit card is overdue, apply for account cancellation or card cancellation immediately after settling the outstanding balance. However, you can still have your overdue record in the credit report of the card-issuing bank. And the overdue record of this credit card will remain on your personal credit report for 5 years. So what do we do? The correct approach is to continue to use this credit card after repaying it in full, and gradually cover up the overdue bad records with good records. In two years, the overdue records will no longer have an impact on your personal credit report.

Fourth, if you only cancel the credit card but do not cancel the account, you will not be able to enjoy the benefits of new users. Many banks stipulate that after a credit card account is successfully closed for 6 to 12 months, you can enjoy the benefits of new users again by applying for a new credit card. But if you just cancel the card without closing the account, you will be considered an old customer at the card-issuing bank, so you will not be treated as a new user when you apply for a new credit card again.

How long does it take for a Bank of Communications credit card to be reissued if it is reported lost?

It takes 7 working days to successfully reissue a Bank of Communications credit card.

According to the regulations of the Bank of Communications, the following procedures need to be followed for the replacement of a lost credit card:

1. Show your ID card and verify the UnionPay card information;

2. Report the loss UnionPay card, 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 bank card replacement, show the loss report certificate ;

5. The counter staff handles the card replacement procedure;

Note: Reporting a loss requires a loss reporting fee, and a replacement can only be issued at the bank where the account is opened.

After a credit card is lost, you must report the loss promptly. This 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 funds lost within 72 hours before the loss is officially reported.

1. Bank of Communications credit card loss report and card replacement

You can report the loss of your credit card through telephone banking, online banking, mobile banking and credit card customer service hotline. Once the credit card is reported as lost, the old card cannot be restored. will be unavailable. If you need to replace your card, you can do so through the credit card customer service hotline.

2. Methods for reporting loss and replacement of Bank of Communications credit cards

Methods for reporting loss

To report loss via telephone banking: call the credit card customer service hotline 400-800-9888 or 95559 → press 1# (Report loss of credit card);

Report loss in online banking: Log in to online banking → Credit card → Credit card management → Report loss of 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!

How to replace a lost Bank of Communications credit card

To replace a lost Bank of Communications credit card, the relevant steps are as follows:

1. Report the loss

If a credit card is lost, stolen or possessed by others, the cardholder should report the loss immediately. The risk of misappropriation after a credit card is reported lost is borne by the bank. Non-password consumption within 48 hours before the loss is reported is covered by card loss protection according to specified rules.

Methods for reporting loss:

Online banking: Log in to credit card online banking and click to enter "Card Management→

Credit Card Loss Report" to easily complete the loss reporting operation.

Mobile banking: Log in to mobile banking and enter "Card Management→

Card Loss Report" to easily complete the loss reporting operation.

2. Card replacement

When the credit card cannot be used due to loss, damage, breakage, blurred signature, degaussing of the magnetic strip, etc., the cardholder can apply for a new card. The card will be sent to the billing address within 2 working days. The new card and password will remain unchanged after renewal; if the old card is expired within six months, the validity period of the new card will be automatically extended for 3 years.

Handling fee for damaged card replacement: 15 yuan/card (VISA

MINI card 15 yuan/per set or per card). If express delivery is required, an additional 20 yuan express fee will be charged.

Application method: Log in to credit card online banking and click "Card Management" → "Damaged Card Reissue".

Tip: If the card is lost, it can be reissued if it is damaged, broken, the signature is blurred, or the magnetic strip is degaussed.

How to activate the replacement card after reporting the loss of the Bank of Communications credit card

If the Bank of Communications credit card is lost, you need to report the loss and replace it. The bank will mail the replacement credit card to your billing address. However, what I want to tell you here is that after you get the replacement credit card, you must activate it before you can use it. So, how to activate the replacement card after reporting the loss? Let’s find out together below.

As far as we know, if the credit card is accidentally lost or stolen, in order to avoid the credit card being stolen, cardholders can immediately call the Bank of Communications credit card customer service hotline 400-800-9888 to report the loss. After reporting the loss, they must call customer service The hotline handles card replacement.

However, reporting the loss of a Bank of Communications credit card is not free. Once the loss is reported, a loss reporting fee of 50 yuan will be deducted immediately. After completing the card replacement procedure, Bank of Communications will issue a new card to the cardholder on the next working day and send it by registered mail. After getting the new card, you can refer to the following three methods to activate the card:

First, activate it at the bank branch counter. You need to bring your ID card and credit card when applying;

Second . Open a card through online banking. If you have an online banking shield, you can also set the credit card transaction and cash withdrawal passwords;

Third, call for voice self-service activation, and you will need to enter some personal information to ensure that you are holding the card. The person receives the card in person. If the information entered is incorrect, it will be redirected to manual activation.

If you don’t know whether the new card has been successfully activated, you can do this:

1. You can call the credit card center of the issuing bank and ask the staff whether it has been activated;

2. Directly use your credit card to make purchases at the store POS machine. If it is not activated, you cannot make purchases;

3. Go to the central bank system to check your personal credit report, and face the inquirer The credit card and loan records are recorded in detail. If the credit card is not opened, it will also be displayed as inactive.

How long does it take to reissue a lost credit card?

(1) A lost credit card should be reported as lost before reissued. The following is the loss report and reissue process:

1. After discovering that the credit card is lost , you should call the customer service hotline of the card-issuing bank as soon as possible and verbally report the loss of your credit card;

2. Then follow the customer service prompts and provide relevant personal information to verbally report the loss. After verbally reporting the loss, the loss report will take effect immediately , if the credit card incurs consumption charges after reporting the loss, the charges will be fully borne by the bank;

3. After reporting the loss verbally, you need to apply for a new credit card. Bring your ID card to the branch of the card-issuing bank and apply at the counter. After the re-application procedure, the staff will re-apply a credit card for you. It should be noted that there is a handling fee for reporting the loss and re-applying a credit card.

(2) To report the loss and apply for a new credit card, it usually takes five working days for self-pickup and 7 working days for mailing (excluding Saturdays and Sundays). After reporting the loss of a Bank of Communications credit card, it will take one week to apply for a new one. For Bank of China credit cards, a new card will usually be issued by mail one week after the loss is reported, while a new card for the Postal Savings Bank of China credit card can be reissued 7 days after the loss is reported.

Warm reminder: After a credit card is reported as lost, it is basically frozen, but it does not affect repayment. After reporting the loss of your credit card, you must pay attention to your repayment date and do not make late payments. Late repayments while reported as lost will still be recorded in the bad credit record.

Extended information:

1. Consequences of overdue credit card

1. After the credit card expires, there is an interest-free period, which is about twenty days. There is no interest during this period of fifty days, but if you have not repaid the loan after this period, there will be interest. In addition to paying back the principal, you will also have to pay interest.

2. Being overdue may affect your personal credit. Your information will be uploaded to the central bank’s credit system and you will become a dishonest person. This will affect your ability to take trains, high-speed rails, buy houses or cars in the future. Great impact.

3. If the overdue payment is serious, it will be classified as a malicious credit card overdraft, and you will need to bear criminal responsibility and be sentenced. This will bring great trouble to your life.

2. Basic requirements for applying for a credit card:

1. Aged between 18 and 65 years old;

2. Have a stable career and income;

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

4. Natural persons with full capacity for civil conduct (robots, vegetative persons, minors, persons with a certain degree of Not for mentally ill people).

This is the end of the introduction on how to replenish a Bank of Communications credit card and how to replenish a Bank of Communications credit card without spending money. Did you find the information you need?