The cardholder should call the 24-hour customer service telephone of the credit card center of the issuing bank as soon as he knows the loss of the credit card, inform him of the fact of the loss of the credit card, and verbally apply for the loss of the credit card and apply for a new card. Oral application for loss reporting of credit cards can prevent the theft of credit cards or reduce the loss of stolen credit cards, especially credit cards without passwords, which should be reported and frozen in time. Generally, banks will lose their card guarantee service. The premise of enjoying the lost card protection service is to ask the cardholder to report the loss in time. If the loss is not reported in time, the bank will not bear the loss of the card. It can be seen that it is very important to report the loss orally by telephone.

2. Determine whether the lost credit card has been stolen.

If the credit card is stolen, the cardholder needs to report it to the public security organ, obtain the report certificate and affix the official seal of the public security organ. Reporting the case helps to complain to the bank about the identification and compensation of stolen credit cards.

3. Bank outlets officially reported the loss.

Within a certain period of time after the oral report of loss, the cardholder brings his ID card to the credit card department of the bank to report the loss.

4. Apply for compensation for lost card protection

If the credit card is stolen, the cardholder must prepare the complete claim information after reporting the loss, and mail it to the insurance company insured by the bank or the relevant credit card department of the bank by EMS or registered mail for insurance claim.

How to repay the credit card after it is lost?

After the credit card is lost, the cardholder will be in a state of no card for a period of time. How can I repay without a card, especially if I can't remember the credit card number? First of all, if it is convenient, you can go to the issuing bank's business outlets for credit card repayment; Secondly, if you have personal online banking, you can log in to personal online banking to repay directly. In addition, commonly used third-party payment tools can still be used for repayment. If you have had the experience of repayment by a third-party payment instrument before, you usually have a credit card. You don't need to enter the credit card number when you repay, you can repay directly according to the tips of the third-party payment instrument.

Tip: The credit card is basically frozen after the loss is reported, but it does not affect the repayment. Be sure to pay attention to your repayment date after reporting the loss of your credit card, and don't overdue the repayment. The overdue repayment in the state of loss reporting will still be recorded in the bad credit record.