What to do if your credit card is lost

After a credit card is lost, you first need to report the loss first, and then choose whether to replace the card according to your needs. This is the specific process for reporting loss and card replacement:

1. Reporting credit card loss

You can directly call the bank customer service hotline and use the credit card loss self-service to report credit card loss. If the funds are lost after reporting the loss, the bank will bear the responsibility. In addition, it cannot be canceled after the loss report is successful, so please handle the loss report business with caution.

2. Credit card replacement

When reporting a loss, if you select "Report loss without replacing the card", it will be regarded as canceling the card, and the card that has been reported lost will not be able to be restored. If you need to use your credit card again, you must apply for a new card.

After selecting "Report lost card and replace card", the bank will produce a card and mail a new card to the customer as soon as possible. At the same time, the customer will be notified of the card production progress via SMS.

There are two ways to report the loss of a credit card and replace it, which require different information: to report a loss over the phone, you need to provide your ID number and name and other relevant information for verification; to report a loss at a bank counter, you need to provide the cardholder's ID card to report the loss.

Report loss by phone:

1. Report loss by customer service phone: Dial the customer service number on the back of your credit card, enter the loss reporting area, and submit a loss report request to the bank’s credit card customer service. The customer service will ask you to provide your ID number. and name for verification. Once the verification is passed, your credit card can be reported as lost.

2. Credit card loss reporting is a fee-based service (contact the bank customer service for specific fees). The fee for reporting loss is RMB 60 per card. If you need to apply for a new card after reporting the loss, you will need to pay an additional RMB 15 per card. Card reissue fee: The reissued credit card will be mailed to your billing address in about ten working days. If express delivery is required, a courier fee of 20 yuan will be required.

Warm Tips:

1. Do not apply for multiple credit cards frequently because of giving gifts or collecting card faces. Please apply for cards rationally according to your own situation and do not be too blind.

2. If you apply for multiple cards, cancel multiple credit cards, and then want to restore the credit cards, all records will be recorded in the credit information system of the People's Bank of China.

3. Canceling and applying for a card too frequently will only affect your personal credit. Please be careful when applying for or canceling a card.

Credit card is a non-cash transaction payment method. It is a small credit payment tool provided by banks to users who consume first and repay later. Credit cards can be divided into the following types of cards according to four dimensions. :

1. According to the different levels of the card, the types of credit cards can be divided into ordinary cards, gold cards, and platinum cards;

2. According to the different objects of card issuance, the types of credit cards can be divided into: Divided into corporate cards and personal cards;

3. According to the special functions of the card, the types of credit cards can be divided into various theme cards, student cards, shopping cards, women's cards, car cards, sports cards, etc. ;

4. According to the card shape, the types of credit cards include standard cards, mini cards, special-shaped cards and transparent cards;

5. According to the storage media, the types of credit cards can be Divided into magnetic stripe cards and chip cards;

6. According to the relationship between cards, the types of credit cards can be divided into main cards and supplementary cards;

7. According to the circulation scope of credit cards Different types of credit cards can be divided into international cards and regional cards;

8. According to the settlement currency, the types of credit cards can be divided into local currency cards and cards;

9. According to accounts In terms of settings, the types of credit cards can be divided into single-currency cards, dual-currency cards, and multi-currency cards;

10. According to brands, the types of credit cards include VISA, MasterCard, American AmericanExpress and ChinaUnionPay.

How to replace a lost credit card

If a credit card is lost, it is recommended to call customer service immediately to report the loss or freeze the account to protect the safety of your credit card funds. After reporting the loss by phone, within three days Go to the bank to formally report the loss. If the cardholder confirms that the original credit card cannot be found, he or she can apply to the card-issuing bank for a new card.

1. Verbal loss report

If the cardholder is too late to go to the bank card department to handle the loss, he can make a phone call to report the loss, but he must go to a China Construction Bank branch within 72 hours to make a formal loss report. , otherwise the loss report will be automatically released after 24 hours.

2. Report loss at an outlet

If a cardholder loses his or her bank card, he or she can apply for a loss report at a nearby China Construction Bank branch. Loss reporting applications can be made at any CCB branch, and there is no need to go to the card issuing branch to report the loss. Applying for a loss report at an outlet is a formal loss report. The formal procedure for reporting a loss is that the cardholder must fill in a loss report application form, submit his/her identity document for verification, and pay a loss report fee and a loss report replacement fee. All financial responsibilities incurred by the card before reporting the loss and within 24 hours after reporting the loss shall be borne by the cardholder. If the cardholder finds the bank card after reporting the loss, he can cancel the loss report item. Fill out the application form for canceling the loss report. After canceling the loss report, the original loss report handling fee and the card loss report replacement fee will not be refunded.

Notes

Replace the card when it expires: The Dragon Card (Dual Currency) bank card is valid for 3 years and will become invalid upon expiration. China Construction Bank will proactively send you a new card one month before your card expires for your convenience. If you do not want to continue using the card after it expires, please call the China Construction Bank 24-hour service hotline one month before the card expires.

Replace the card in advance: If your card is about to expire within 3 months, and you need to change the card in advance due to special reasons such as going abroad, please call the 24-hour service hotline to apply and destroy the original card yourself. . CCB will handle card replacement in advance and send you a new card.

Damaged card replacement: When your card can no longer be used due to damage, breakage, degaussing of the magnetic strip or incorrect signature, etc., you can apply for a new card; to apply for a reissue, please call CCB’s 24-hour service Hotline, you will need to pay a reissue fee of 20 yuan per card to reissue a new card; please be sure to destroy the old card yourself to avoid unnecessary losses.

Guidelines for emergency card replacement overseas: If your card is lost or stolen while traveling abroad, please call our customer service hotline to report the card loss. We will immediately go through the loss reporting procedures for you, and the loss report will take effect immediately.

How to reissue a lost credit card

If a credit card is lost, you can first request a temporary report of loss to the card issuing bank’s customer service and then reissue it. Within a certain period, the card will be locked, but after the expiration date, the card will be automatically unlocked. Nowadays, most banks provide free temporary loss reports. However, after the temporary loss report, if you need to formally report the loss and replace the card, you will be charged a handling fee of about 50 yuan.

After reporting the loss, bring cash and ID card to the designated business outlet to ask staff for a replacement. To reissue, first report the loss and then reissue. The process of reporting the loss and reissue can be completed immediately by making a phone call. Call the customer service number of the relevant bank, press the 0 key or other service keys, and go to the worker service to report the loss and reissue the business. After the reissue is confirmed, it will take about two weeks to receive the new card.

Extended information:

Methods for reporting loss:

1. To report the loss, call the customer service number on the back of the credit card, enter the loss reporting area, and report the loss to the bank credit card customer service If you make a request, customer service will ask for your ID number and name for verification. Once the verification is passed, you can report the loss of your credit card. Credit card loss reporting is a fee-based business, and the fee for reporting loss is RMB 60 per card.

2. Report the loss at the bank business hall.