Temporary control of credit cards refers to the practice of temporarily controlling the card when the cardholder cannot find the card temporarily but cannot be sure whether the card is lost or reports the loss by someone other than himself.

Now, Bank of Communications, China Construction Bank, Everbright, China CITIC Bank, etc. can provide temporary account control. This temporary control is free of charge. During this period, if the card is recovered, the cardholder can immediately Remove controls and the card will return to normal use.

However, China Merchants Bank, Shanghai Pudong Development Bank, etc. do not have this service, and cardholders can only apply for a formal loss report. Once the credit card of most banks is reported as lost, it cannot be applied for cancellation. Even if the cardholder recovers the credit card, he can only apply for a new card. Only a few banks can apply to cancel the credit card after reporting the loss before applying for a replacement card.

Cardholders need to be reminded that CCB’s temporary account control has no time limit, while Bank of Communications and CITIC Bank have a time limit. If the cardholder does not lift the control within the specified time, then The card will be officially reported as lost and a handling fee will be charged.

However, even if the cardholder applies for temporary credit card control, he still has to bear certain risks. Banks only promise to lock out cash withdrawals at domestic shopping malls and counters for temporarily controlled credit cards; however, any losses that may arise from online transactions, telephone transactions, and overseas transactions are still borne by the cardholders themselves.