1. What to do if your credit card is lost or stolen

1. Report the loss.

No matter how you discover that your credit card has been stolen, the first step is to call the bank customer service number immediately to report the loss. In fact, reporting the loss is the most important, so that you can enjoy the lost card protection service launched by the bank.

2. Go to the ATM machine to check the money.

After reporting the loss, you do not need to replace the card first. Instead, you can go to the nearest ATM machine to find out your credit card balance. At the same time, this is also the most beneficial way to later prove that the card is in your possession and your location. Evidence, because the bank can access the cardholder's inquiry records and videos, which can prove that he was not at the place where the crime occurred at that moment, and that the card was also with him.

3. Ask the bank to provide important documents.

Find a location with a fax machine, use the fax machine phone to call the customer service number again, and ask the customer service to help the cardholder fax two important documents. "Account Inquiry Statement" and "Additional Instructions for Non-Personal Transactions".

4. Report the crime.

Usually when you report a crime to an ordinary police station, they will not accept it and will pass the blame on each other. The card owner can report the crime directly to the police station of the card issuance center in the city where the card was applied for. If he is not sure of the area, he can call customer service and ask him to provide the location. The purpose of reporting is to help cardholders add evidence during the bank's chargeback application process and increase the likelihood of a successful chargeback application.

5. Request the police station to file a case and provide a receipt.

Bring the receipt given by the police to the card issuing center and request for investigation.

2. Can I apply for an interest suspension if I cannot afford to pay off my credit card?

Yes, if the credit card cannot be repaid, the customer can indeed contact the customer service of the card-issuing bank to try to apply for an interest suspension. Of course, banks will not agree easily, so when negotiating, customers must pay attention to clearly stating that they do not have sufficient repayment ability temporarily, and provide corresponding information to support it. At the same time, they must also remember to express their willingness to actively repay. In this case, the bank will consider it at its discretion.

As long as the bank agrees to suspend interest rates, it will not try new interest rates after the credit card debt is outstanding. However, the interest generated previously will still be recorded on the account, and the customer needs to repay it together with the principal of the debt. .

Customers can also apply to extend the repayment period and repay the debt in installments. As long as the bank can comply with their request, they can then repay the debt in installments on time according to the new repayment plan negotiated with the bank.

In fact, the credit card itself provides bill installment and minimum repayment services. If you find out early that you cannot repay the bill on time, you can apply for installment early before the repayment date, or you can also make minimum repayment, which can relieve the pressure of repayment. . Of course, you should be restrained in swiping your credit card at ordinary times, and do not spend blindly, causing the repayment amount to be too large and unable to repay.

If your credit card is stolen, you must report it to the local public security agency. If you are unable to repay your credit card debt, you can negotiate with the bank and go through the procedures for suspending interest rates and suspending the account. There are two ways to apply for a credit card. The cardholder can bring his or her ID card and proof of stable employment to a bank branch to apply for a credit card. The bank's review is required before the credit card can be collected. If you don't want to go to a branch, you can also apply for a credit card. You can apply for a credit card online.