Can I reissue a lost credit card?

Credit cards can be reissued directly if they are not reported lost, but the correct replacement card type must be selected.

1. Credit card replacement is divided into loss reporting replacement card and damage/degaussing replacement card

Usually, credit card replacement card is divided into loss reporting replacement card and damage/degaussing replacement card. If you don't report the loss, you should choose damage or degaussing replacement card directly. The card replacement method is very simple. Call the issuing bank directly to ask for a replacement card, and customer service will help you. Replacing the card without reporting the loss can save the loss reporting fee, but some banks have to charge the replacement fee.

you can save the loss reporting fee by replacing the card without reporting the loss, but some banks have to charge the replacement fee. For example, China Merchants Bank's credit cards have to be damaged, and each card is 15 yuan, and high-end credit cards are free. In addition, the replacement card without reporting the loss is different from the new card received by reporting the loss, and the new card, security code and validity period will change; Replace the card without reporting the loss. The new card received will not change, but the security code and validity period will change.

It should be noted that many banks can provide card loss protection services when reporting the loss of a credit card, and the bank will pay for the stolen credit card loss within a certain period before reporting the loss, depending on the consumption type; If you don't report the loss, you will directly replace the card. If you can't recover the loss after being stolen, only the cardholder will bear it.

second, is there a handling fee for reporting the loss of the replacement card?

loss reporting of bank credit cards is a charging business, and the charging standard for loss reporting is RMB 6 yuan/card. If you need to reissue a new card after loss reporting, you need to pay an additional fee for 15 yuan/card. The reissued credit card will be mailed to your billing address in about ten working days, and if you need express delivery, you need to pay the express delivery fee in 2 yuan.

The specific process of reporting the loss of a credit card is as follows:

1. Apply for reporting the loss of a replacement card through the credit card customer service phone or the bank counter. It should be noted that the bank will give the cardholder a cooling-off period of several days after reporting the loss of the credit card, and if the cardholder finds the card during this period, he can cancel the application for reporting the loss. You can reissue a new card after the cooling-off period.

2. the credit card center makes and sends new cards to cardholders. Banks usually send cards by registered mail. By default, they send them to the reserved address when cardholders apply for credit cards. If the address changes, they must explain it to the bank.

can I reissue my credit card if I lose it?

yes. Lost credit cards can be reissued. After the credit card is lost, the cardholder can go through the formalities of reissue the credit card through the counter of the bank or the hotline of customer service. You need to show your ID card when you go to the bank counter to reissue your credit card, and most banks need to charge for the credit card reissue business.

a CreditCard is a credit certificate issued by a commercial bank or a credit card company to a qualified consumer.

a credit card is a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the specified limit.

The function of credit card:

1. It is convenient for people's life and saves the trouble of carrying cash. Moreover, there is no geographical restriction in using credit card. No matter where you swipe your card in China, you can swipe it as long as you have the UnionPay logo, and there is no handling fee;

2. Be able to participate in various discount activities in cooperation between merchants and banks;

3. The points earned by credit card spending can be exchanged for gifts;

4. Repayment in time after swiping the card will enhance the credibility of personal banks.

the ways to repay money by credit card are:

1. repayment by ATM. Cardholders can go to the ATM of the bank to make a card deposit, and depositing money into the credit card means paying back the money.

2. repayment by mobile banking. All major banks have mobile banking software, which can repay credit cards after being installed on mobile phones.

3. Alipay repays. There is a credit card repayment function on Alipay. Click "Credit Card Repayment" on the homepage, and you can repay after binding the credit card.

4. wechat repayment. There is a credit card repayment function on WeChat. Click "I"-"Pay" to see the "Credit Card Repayment" function.

5. repayment at the bank counter. Cardholders can go to bank outlets with credit cards, ID cards and cash, and handle credit card repayment business at the counter.

can I reissue my credit card if I lose it?

I can reissue my credit card if I lose it. You need to report the loss before the credit card is reissued, and you can reissue it after the loss is reported. Generally, you can get the card within 1 working days. After the credit card is lost, the cardholder can go through the formalities of reissue the credit card through the bank counter or customer service hotline.

You need to show your ID card when you reissue a credit card at the bank counter, and most banks charge for the credit card reissue business, so you should prepare the corresponding certificates and cash before you reissue it. After the new card is reissued, it can be activated and used. At the time of activation, the inquiry password and transaction password of the credit card need to be reset, and the transaction information of the old card will be inherited. The billing date and repayment date of the credit card will not change, and the old card will be invalid after activation.

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It is common to lose your credit card. If you apply for reporting the loss immediately, it may not cause too much loss. In case your credit card is lost, please don't panic and do two things well.

on the one hand, we should find the whereabouts of the credit card in time and try our best to find the original credit card.

on the other hand, we must prepare for the worst. If the credit card is really lost and cannot be found, we must not let it go. After all, credit cards and ID cards are linked. Once lost, it is not only troublesome to report the loss of the card, but also a serious risk of theft. If you fall into the hands of those who want your information and do illegal activities, you will have more trouble!

The process of reporting the loss is as follows:

In case of confirming the loss of the credit card, call the customer service of the bank in time to apply for a temporary loss report (you can directly apply for cancellation of the reported loss when looking for the credit card), so as to prevent others from stealing it. This is also the fastest way.

In addition, credit cards are required to report losses, and some banks can't cancel them if they apply for reporting losses. These fees are implemented according to the regulations of banks.

loss can be reported in the following three ways:

1. telephone loss reporting

directly call the bank's customer service hotline, and according to the voice prompts, you can verify your personal identity and choose a credit card to report the loss.

2. Online banking reported loss

Enter the bank official website, log in to personal online banking, find the credit card loss report page, fill in the information according to the prompts, and then submit the loss report.

3. Report the loss at the bank counter

Take my valid ID card to the bank outlet and report the loss by credit card.

the bank has a "lost card protection" service, which is to protect your credit card 48 hours before the loss is reported. If your credit card is stolen within 48 hours before the loss is reported, all the losses will be borne by you and the bank. However, this service is a chicken rib for many cardholders whose credit cards have been stolen. Because after their credit cards were stolen, they had no way to prove that they were not authorized by themselves, and finally they could only admit that they were unlucky.

However, after this year's new regulations go online, card-issuing banks need to compensate for the theft of credit cards through commercial insurance and risk compensation funds. We can no longer use the reason that "the user can't prove that the stolen brush is not authorized by himself" to clean up the responsibility. It can be said that this policy greatly protects the rights and interests of card friends.

can I reissue my lost credit card?

lost credit cards can be reissued. According to Article 59 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, the card-issuing bank shall provide 24-hour loss reporting service, accept the cardholder's application for loss reporting in time through business outlets, customer service telephones or electronic banking and take corresponding risk control measures. Article 63 stipulates that the issuing bank shall provide the card replacement service when the credit card expires, and replace the card for cardholders who meet the conditions for card replacement when it expires. Unless the cardholder proposes not to renew the card, change the card or cancel the account upon expiration. The issuing bank shall not provide card replacement service for the credit card account that the cardholder has not activated within the validity period of the credit card. Measures for the Supervision and Administration of Credit Card Business of Commercial Banks Article 59 The card-issuing bank shall provide 24-hour loss reporting service, promptly accept the cardholder's application for loss reporting through business outlets, customer service telephones or electronic banking channels, and take corresponding risk control measures. Measures for the Supervision and Administration of Credit Card Business of Commercial Banks Article 63 The card-issuing bank shall provide the card replacement service when the credit card expires, and replace the card for cardholders who meet the conditions for card replacement when it expires. Unless the cardholder proposes not to renew the card, change the card or cancel the account upon expiration. The issuing bank shall not provide card replacement service for the credit card account that the cardholder has not activated within the validity period of the credit card.

How to reissue a credit card

How to reissue a credit card:

1. To reissue a credit card, you must first report the loss of the credit card.

2. generally, it takes five working days to report the loss of a credit card by yourself, and it takes seven working days (excluding Saturday and Sunday) if you choose to send it by mail.

note: if you choose to report the loss by yourself, you need to get proof materials such as your ID card.

extended information

CreditCard, also called credit card. It is a non-cash transaction payment method and a simple credit service. There is no need to pay cash when spending with a credit card, and repayment will be made on the BillingDate. Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which cardholders have a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.

How to reissue the lost credit card

If the credit card is lost, you can first ask the customer service of the issuing bank to report the loss temporarily, and then reissue it. The card will be locked within a certain period of time, but it will be automatically unlocked after the expiration. At present, the temporary loss reporting of most banks is free of charge, but after the temporary loss reporting, if it is necessary to formally report the loss and reissue the card, the handling fee around 5 yuan will be charged.

after reporting the loss, bring cash and ID card to the designated business outlets to find a staff member to reissue it. Report the loss first, then reissue it. The process of reporting the loss and reissue it can be completed at that time only by calling the customer service phone of the relevant bank, pressing the key or other service key, and turning to the worker service, so as to report the loss and reissue the business. After the replacement is confirmed, you can receive the new card in about two weeks.

Extended information:

Loss reporting method:

1. Call the customer service phone on the back of the credit card, enter the loss reporting area, and make a loss reporting request to the customer service of the bank credit card. The customer service will ask for the ID number and name for verification, and the credit card can be reported after verification. Credit card loss reporting is a charging business, and the charging standard for loss reporting is RMB 6 yuan/card.

2. report the loss in the banking hall.