What to do if your China Merchants Bank credit card is lost
If your China Merchants Bank credit card is lost, please call the credit card customer service hotline 4008205555 and select 2# to report the loss urgently. The loss reporting fee is RMB 60 per card (VISAMINI card is RMB 60 per set or card).
Once a credit card loss report is made, it will take effect immediately and cannot be revoked. When a new card is reissued after a loss report, the three-digit number on the back of the card (CVV2) will change.
How to replace a lost China Merchants Bank card
Operating environment:
Brand model: iPhone13
System version: iOS15.3.1
p>App version: V10.1.0
1. Enter the China Merchants Bank Bank Card Mobile Life APP and click on My Page.
2. Select Security and click to enter.
3. Click on Lightning Card Replacement in the Security Center.
4. Select the reason for card replacement if the card is lost, and click the OK button to apply for card replacement online.
After the China Merchants Bank card is lost, call the customer service of China Merchants Bank to report the loss, and then go to the bank with your identity document to go through the formal loss reporting procedures and go through the card replacement procedures.
It should be noted that if we lose our credit card, then once the loss is reported, it will take effect immediately. After the loss is reported, the card cannot be used, but it will not affect the use of other cards under the name, and once the loss is reported, it cannot be revoked.
Function Overview:
One card provides multiple accounts with various current and fixed savings accounts in RMB, US dollars, Hong Kong dollars, Japanese yen, euros and other currencies. The deposit and withdrawal services of various types of deposits and withdrawals can be handled at any branch of China Merchants Bank in the same city; the deposits and withdrawals of RMB, Hong Kong dollar and US dollar current accounts can be handled at various branches across the country. Automatic transfer of deposits. When there is a lump sum deposit and it expires, the bank will automatically transfer the deposit to the original deposit period with interest. After applying for the self-service transfer function at the China Merchants Bank counter, you can directly use the relevant self-service channels to handle the following services:
Transfer transactions for the same customer in the same city through online banking, ATM self-service equipment, and self-service inquiry terminal channels. "All-in-one card" and fund transfer between passbooks;
Transfer funds to any pre-designated account through online banking and self-service inquiry terminal channels;
Through online banking and ATM self-service equipment , use the self-service inquiry terminal channel to handle fund transfers to any third-party account;
Special instructions: Handle fixed and live transfers between accounts of the same "all-in-one card" in RMB or the same foreign currency banknote type. There is no need to go to the counter to apply for the application, it will be automatically activated by the computer system.
Merchant consumption is settled directly at the merchants authorized by China Merchants Bank and China UnionPay.
Withdrawals from ATMs: You can handle RMB current withdrawals, change passwords, third-party transfers, and check current account balances at the ATMs where you open an account with CMB; you can handle RMB current withdrawals at ATMs where you do not open an account with CMB. ; You can also handle RMB current withdrawals, current account balance inquiries and other services at the ATMs of other banks that have joined China UnionPay. Self-service deposit machines can handle RMB current deposits, lump sum deposits and withdrawals, and small deposits and lump sum withdrawals at the locations where China Merchants Bank accounts are opened. Deposit services in non-account locations will soon be opened.
Inquiry services include CMB counters, self-service banking, telephone banking, online banking and other channels to provide customers with deposit interest rates, exchange rates, business profiles and various accounting inquiries. Telephone Banking CMB Telephone Banking provides automatic voice services and manual services. Dial 95555 directly and follow the automatic voice prompts to handle account inquiries, transfers, loss reports and other services. The 95555 telephone banking manual service can provide 24-hour business consultation services and accept customer complaints. The transfer of RMB funds between current accounts and securities margin.
How to report the loss and reissue a lost China Merchants Bank credit card?
The process for reporting the loss and replacement of a China Merchants Bank credit card is as follows:
If your China Merchants Bank credit card is accidentally lost, please call the China Merchants Bank credit card hotline: 400-820-5555 and select "Report the loss of your credit card" , submit a loss report request to China Merchants Bank 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. Replacement procedures can also be completed through the hotline.
It should also be noted that reporting the loss of a China Merchants Bank credit card is a fee-based service. The fee for reporting a 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. For the 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.
What should I do if my China Merchants Bank credit card is lost?
If your China Merchants Bank credit card is lost, you should report the loss immediately.
Card loss report and replacement:
1. The loss report fee is RMB 60 per card. Once the credit card is reported as lost, it will take effect immediately and is irrevocable (VISAMINI large and small cards can be reported as lost separately or at the same time, and the fee is 60 yuan/time).
2. The new card that is reissued after the loss is reported and the three digits on the back of the card will change, but the account information remains unchanged and the card type is the same as the original card, and repayment can be received.
3. If the loss is reported within half a year before the card expires, the validity period of the new card issued after the loss is automatically extended for 5 years. If you replace your card upon expiry, there will be no charge. Credit cards automatically expire after expiration. Our bank provides card replacement service upon expiration. The new card is valid for five years. One month before the expiration of the card (except the YOUNG card student version), a card replacement SMS will be sent to notify the principal cardholder. Subsequent new cards will be sent to the billing address of the main cardholder. The default method is registered mail (within 15 days). Platinum/unlimited cards will be sent by express delivery. Cards cannot be exchanged directly at branches.
Tips for maintaining credit cards:
1. The number of swipes on a single card is more than 5 times per week and more than 20 times per month. Reasonable increments every month, 25-30 transactions per month is optimal.
2. The amount of credit card swiping should be small combined with large purchases. If it is all trivial and small purchases, the bank will not treat you as a high-quality customer. Only frequent large purchases can prove your consumption level.
3. Be careful not to empty out a large amount in whole amounts as soon as the bill comes out. Basically, this is the only time you empty out, and you will be risk controlled by the bank immediately. And after March, risk control has become more and more strict, so don’t seek death.
4. It is best not to spend more than 50% of the total amount of the card in a single transaction. Of course, even if the limit is low, even if it is all real consumption, it is best not to use up the limit all at once.
5. 1-2 transactions per day for a single card is best. The interval between swiping the same card must be at least 3 hours. The interval between swiping different cards should be more than 5 minutes.
6. It is strictly forbidden for anyone to check the balance on the POS machine before swiping the card. This is a gift.
7. Don’t always use the last digit of 0, 6, 8, or 9 when swiping your card. Do not swipe the card with the same last three digits, such as 5222 or 8000.
8. Occasional installments, especially when banks take the initiative to call and request installments, basically involve spending money to increase the amount. If you want a limit, you must agree to the installment plan. You can try a small amount for a short period of time.
9. Try not to empty the card, leaving about 10-20. Some commercial banks have low credit limits and can be increased by maxing out, but it is best to use real and high-quality consumption.
10. Try to swipe your card between 9 a.m. and 10 p.m., and try not to swipe your card at other times.
11. If you fail to swipe your card once, never try to swipe your card with a low amount again. Even if you succeed, the risk is too high, so you need to know the remaining balance of the card in real time.
12. If the card has been used for more than half a year, there are transactions every month, and the repayment is on time, the success rate of basic limit increase is higher. Generally, you can apply for the first withdrawal after half a year, and then once every three months. You must take the initiative to apply.
This ends the introduction on how to reissue a lost CMB credit card and how to replace a lost CMB card. I wonder if you have found the information you need?