After a China Merchants Bank credit card is lost or stolen, the time when the loss is reported will be used as the starting point. The loss of non-password consumption that occurred within the previous 48 hours will be borne by China Merchants Bank (the maximum is 15,000 for gold cards and 15,000 for regular cards). 10,000, Platinum Card and Unlimited Card have the highest limit). And customers must fill in the "Lost Card Protection Application Form" within 45 days after reporting the loss, and mail it to the CMB Credit Card Center together with the original report certificate (report receipt).

The poster's approach is obviously not to mail the follow-up report and related materials within the time specified by China Merchants Bank, so China Merchants Bank will regard you as not having the materials or the materials are insufficient, and will automatically start after 45 days. Deduct your arrears and related interest.

It is recommended to call China Merchants Bank’s customer service to see if the fraudulent amount can be waived after completing the materials within a few days. If China Merchants Bank disagrees, it is recommended to pay back the money to avoid damaging your credit record.