Comparing the credit card non-card fees of nine major banks, we have to think that the credit card non-card fees of Bank of Communications are "unreasonable". First of all, let's take a look at the comparison of the replacement costs of credit cards in several banks:

Generally, there are three expenses for reissuing a credit card: loss reporting fee, card replacement fee and delivery fee. Comparing the credit card replacement fees of nine banks surveyed, it is not difficult to see that the loss reporting fees account for the majority, and the loss reporting fees of different banks range from 20 yuan to 60 yuan.

In terms of delivery fee, registered mail is usually free, while faster express delivery will charge 0~35 yuan. There is no uniform standard for banks to charge for credit card replacement.

Is there a handling fee for reporting the loss of credit cards? how much is it?

Now many young people love shopping, so many people have multiple credit cards. But if there are too many credit cards, it will be difficult to manage and easy to lose. If you lose them, you need to report the loss and reissue them. So is there a handling fee for reporting the loss of credit cards? How much will it cost? I will answer your question today.

There is a procedure fee for reporting the loss of credit cards, so friends who lose their credit cards to report the loss should remember to bring enough cash in addition to their ID cards.

Generally speaking, different banks have different procedures for reporting the loss of credit cards. The following is an inventory of the procedures required for reporting the loss of credit cards in five banks.

I. Industrial and Commercial Bank of China

ICBC's credit card loss reporting fee is 20 yuan, and the replacement fee is1RMB from 5 yuan to 500 yuan. The cost of replacement varies according to the type of card. Generally, the chip card is about 20-40 yuan.

Second, China Merchants Bank.

China Merchants Bank's credit card loss reporting fee is 60 yuan, and the card replacement fee is 15 yuan.

Third, Bank of Communications.

Bank of Communications credit card loss reporting fee 50 yuan, card replacement fee 15 yuan.

Four. China construction bank

The loss reporting fee of CCB's credit card is 50 yuan, and the replacement fee is 20 yuan.

Verb (abbreviation of verb) China Everbright Bank

50 yuan handling fee is required to report the loss of the credit card of China Everbright Bank, and the replacement of the credit card of China Everbright Bank is free.

The above is a summary of the expenses for reporting the loss of credit cards of five banks. Friends who need to report the loss of their credit cards can bring enough cash according to the charging standard of the bank to which their credit cards belong. Also, if they are in urgent need of a credit card, they can choose to speed up the delivery, but the accelerated delivery requires an extra courier fee from 20 yuan.

You can't lose your credit card. What do you know about the loss reporting fee?

While enjoying the convenience of credit card, have you ever thought that if a cardholder accidentally loses his credit card, there will be a complicated replacement fee as high as 100 yuan? What do you know about the loss reporting fee?

Credit card loss reporting guide:

1. Report the loss by telephone.

If the cardholder has no time to go to the credit card department, he can call to report the loss orally.

2. Report the loss of online banking

If online banking is enabled on the credit card, you can directly log in to online banking to report the loss.

2. Loss reporting outlets

If the cardholder loses his credit card, he can apply for reporting the loss at a nearby bank outlet. The formal procedure for reporting the loss is that the cardholder fills in the application form for reporting the loss, submits his identity certificate, and pays the loss reporting fee and the loss reporting replacement fee.

Tip:

1. If the credit card is bound to a third-party payment platform (such as Alipay and WeChat). ), these bindings can be released when it is lost.

2. If the credit card is stolen, please inform the issuing bank in time, inquire about the place of swiping the card, and then call the police to wait for the next step, and pay attention to protecting personal information.

3. Keep credit cards and ID cards together as little as possible. If the credit card is lost, you can temporarily lock the card to report the loss, and then officially report the loss after confirming the loss, and then reissue the credit card.

Generally, you need to charge a higher fee for reporting the loss, so everyone should pay attention to keeping it.

Most banks will provide card loss protection service before reporting the loss.

Lost card protection means that if a credit card customer loses his credit card, if the cardholder applies to the bank for reporting the loss at the first time, the bank will compensate the cardholder for the loss caused by the theft of the credit card within a certain period of time before reporting the loss.

It is understood that many banks, such as Standard Chartered, Bank of China, China Construction Bank, Shanghai Pudong Development Bank, Bank of Communications, China Everbright, Ping An, CITIC, China Merchants Bank and Guangfa, provide card loss protection services before loss reporting, and the specific amount of compensation is determined by the bank.

The topic of high cost of reporting the loss of credit cards has always been a concern of cardholders, but some insiders said that as long as they master certain methods, they don't need to pay this fee.

Credit card loss reporting fee for each bank:

China Bank Credit Card: 40 yuan for loss reporting;

Agricultural Bank Credit Card: Gold Card, Puka 50 yuan Card, Platinum Card and Official Card are free;

ICBC Credit Cards: Except Peony Platinum Card and Peony Special Card 10 yuan, all the others are from 20 yuan;

Credit card of China Construction Bank: 50 yuan for loss reporting;

Bank of Communications credit card: all in 50 yuan, official cards are free;

China Merchants Bank Credit Card: 60 yuan for loss reporting;

CITIC Bank Credit Card: loss reporting fee 60 yuan;

Shanghai Pudong Development Bank Credit Card: Free; WOW series card RMB, Singapore tourist gold card 60 yuan;

Guangfa Bank Credit Card: Ordinary Card, Enjoy Platinum Card 35 yuan; Platinum cards such as business cards and Longteng cards are free;

Everbright Bank Credit Card: Platinum Card 10 yuan Puka 50 yuan;

Industrial Bank Credit Card: loss reporting fee 50 yuan;

Bank of Beijing Credit Card: Report the loss of 80 yuan.

Bank of China, Guangfa, Xingye and other three companies charge the fee for reporting the loss and replacing the card.

Bank of China credit card: report the loss of card replacement fee 15 yuan;

Credit card of Guangfa Bank: ordinary card and platinum card fee 15 yuan; Discount card fee 50 yuan;

Credit card of Industrial Bank: report the loss and reissue the card to 25 yuan.

What if the cost of reporting the loss of a credit card is too high?

For such a charging standard, many cardholders suggest that it is better to renew the card, because applying for a new card does not require any fees, and the operation process is convenient and fast. Just open an online application channel in the credit card center.

In this regard, some professionals introduced that, taking the loss reporting of replacement cards as an example, cardholders can first apply to the credit card center to freeze their cards, or reduce the credit limit to 1 yuan, and then apply for a new card, and then report the loss and cancel the original old card after the new card arrives. This can save a lot of card replacement costs compared with direct loss reporting.

It means that if the cardholder has not lost his card, but the magnetic stripe is damaged, or he is worried about the risk of using the card after returning from abroad, he can also use the above method to apply for a new card first, and then cancel the old card, so that the cost is zero. However, it should be noted that in this way, the credit card will change and the accumulated points of the old card will be cleared.

How much does it cost to report the loss of a credit card? Fees charged by four banks

After the credit card is lost, the bank will issue a new card to report the loss and reissue it, and can continue to use it after activation. However, the loss reporting of credit cards is not free. Many banks charge money. How much does it cost? Every bank has different rules. Here, I will introduce the fees for reporting the loss of credit cards in four banks.

The money for reporting the loss of a credit card is divided into loss reporting fee and card replacement fee. The specific costs are as follows:

1, China CITIC Bank

1) loss reporting fee: ordinary credit card 40 yuan, unlimited card and world card are free to report the loss;

2) Card replacement fee: free card replacement for ordinary credit cards, unlimited card replacement fee of 50 yuan/card, and world card replacement fee of 50 yuan/card).

2. Industrial Bank

1) loss reporting fee: 50 yuan is charged for loss reporting of credit cards, and other cards are free;

2) Card replacement fee: 20 yuan/card. If express delivery is required, 20 yuan/Card express fee will be added. Some platinum credit cards enjoy discounts.

3. Bank of Communications

1) loss reporting fee: only for activated cards, 50 yuan/cards, not for inactive cards;

2) Card replacement fee: for inactive cards, business cards and standard platinum credit cards, it is free. Ordinary card is 15 yuan/card, and personality cards is 15- 1000 yuan.

4. Guangfa Bank

1) loss reporting fee: ordinary credit cards are RMB per card, and high-end platinum cards are free;

2) Card replacement fee: magnetic stripe card? 15/ card, IC card? 20/ card, VISA/ MasterCard single identification card is converted into 3 dollars at the exchange rate on the day of entry.

The above is the introduction of "How much does it cost to report the loss of a credit card". It should be noted that no matter which bank, the credit card loss reporting fee is directly deducted from the credit card limit and included in the first credit card billing date, and it must be repaid before the end of the last repayment date, otherwise it will generate penalty interest and affect credit.

How much does it cost to reissue the 30 thousand credit card after it is lost

20 yuan card replacement fee is required to reissue the credit card. Both the loss reporting fee and the express delivery fee are free, but if express delivery is needed, an extra charge is required.

This concludes the introduction of how much the Bank of Communications credit card will be reissued and how much the Bank of Communications credit card will be reissued. I wonder if you have found the information you need?