1. After the credit card is lost, immediately call the 24-hour customer service hotline of the issuing bank to provide your basic information, and ask the staff to report the loss of the credit card for you at the first time and apply for a new card;

2. Bring your ID card and report the loss to the credit card department of the bank. It's better to do it in person, and the procedure will be simpler. If you need someone else to do it for you, you need to write a power of attorney and seal it;

3. Choose a bank with more card loss protection. At present, a number of commercial banks have opened the 48-hour protection function before reporting the loss of credit cards. If your credit card is stolen within 48 hours before reporting the loss, all losses will be shared by the banks. The procedures for handling the "lost card protection" business are very simple. As long as you report the loss of your credit card, you pay a different amount of "lost card protection fee" and show the receipt of the report certificate from the public security organ, you can enjoy a minimum of 5, yuan and a maximum of 2, yuan in bank compensation.

legal basis: article 7 of the law of the people's Republic of China on commercial banks

when conducting credit business, commercial banks should strictly examine the credit standing of borrowers, implement guarantees and ensure the timely recovery of loans. Commercial banks recover the principal and interest of loans due from borrowers according to law, which is protected by law.

article 8

in conducting business, commercial banks shall abide by the relevant provisions of laws and administrative regulations and shall not harm the interests of the state or the public.

Article 9

Commercial banks shall abide by the principle of fair competition and shall not engage in unfair competition.

article 1

a commercial bank is subject to the supervision and management of the banking regulatory authority in the State Council according to law, but if the law stipulates that its relevant business is subject to the supervision and management of other regulatory authorities or institutions, such provisions shall prevail.