What should I do if I lose my credit card of China Merchants Bank?
If you lose the credit card of China Merchants Bank, please remedy it according to the following three steps: \ Step 1: Report the loss immediately or temporarily freeze it \ If you find that your credit card is missing, you should immediately call the customer service phone of China Merchants Bank to report the loss or temporarily freeze it, so that the credit card cannot be used even if it is found by others \ Step 2: Report the loss officially \ No matter whether it is a phone call to report the loss or a temporary freeze, it can only last for about 24 hours. If the cardholder still can't find the credit card during this period, he/she should go to the nearest outlet of China Merchants Bank to report the loss of the credit card within the validity period. It should be noted that there is a charge for reporting the loss of the credit card, which is usually around 6 yuan. When reporting the loss officially, the cardholder should fill in the application form for reporting the loss, submit his identity document and pay the loss reporting fee. If the cardholder finds a credit card after reporting the loss, he can cancel the loss reporting, but the already paid loss reporting fee is not refundable \ Step 3: reissue a new card \ If the cardholder can't find the original credit card after reporting the loss of the credit card, he can apply to China Merchants Bank for a new card. The new credit card will be different from the original one. If the cardholder's original credit card is linked to some business such as automatic repayment and insurance payment, he must remember to update the information in time.
What should I do if China Merchants Bank loses its credit card?
China Merchants Bank should report the loss immediately after losing its credit card.
card replacement for loss reporting:
1. The loss reporting fee is RMB 6 yuan/card. Once the credit card is reported to be lost, it will take effect immediately and be irrevocable (VISAMINI size cards can be reported separately or at the same time, and the fee is 6 yuan/time).
2. The new card and the three digits on the back of the card will change after the loss is reported, but the account information remains the same, and the card type is the same as the original card, so repayment can be accepted.
3. if the loss is reported within half a year before the card expires, the validity of the new card will be automatically extended for 5 years after the loss is reported. There is no charge for changing the card when it expires. Credit cards automatically expire after expiration, and our bank provides card replacement service upon expiration. The new card is valid for five years. One month before the expiration of the card (except the student version of YOUNG card), a card replacement SMS will be sent to inform the main cardholder. Subsequent new cards will be sent to the billing address of the main cardholder. By default, registered mail is used (the time limit is within 15 days), and Platinum/Unlimited cards will be sent by courier. It is not possible to change the card directly at the branch.
Credit card maintenance skills:
1. The number of swipes per card is more than 5 times a week and more than 2 times a month. Reasonable monthly increase, 25-3 strokes per month is the best.
2. The amount of credit card swiping should be combined with large consumption. If it is trivial and small consumption, the bank will not treat you as a high-quality customer, and there are often large consumption to prove your consumption level.
3. Don't empty the credit line in an integer amount as soon as the billing date comes out. Basically, once it is emptied, it will be this time, and the bank will immediately risk it. And after March, the risk control is getting stricter and stricter, so don't die.
4. It's best not to spend more than 5% of the total amount of cards at a time. Of course, if the amount is low, even if it's all real consumption, it's best not to concentrate on brushing up the amount.
5. 1-2 pens per day per card is the best. Brush the same card at least 3 hours apart. Brush different cards at intervals of more than 5 minutes.
6. it is forbidden for anyone to check the balance on the POS machine before swiping the card. this is a proposition.
7. Don't always use , 6, 8, 9 as the card mantissa. Don't swipe the card with the same last three digits, such as 5222 and 8.
8. Occasionally, especially when the bank calls for installment, it basically pays for the withdrawal. If you want the quota, you must agree to the installment, and you can try to divide it into a small short-term one.
9. Try not to empty the card, leaving about 1%-2%. Some commercial banks have low quotas, which can be increased by credit explosion, but it is best to spend with real quality.
1. try to swipe your card after 9: a.m. and before 1: p.m., and try not to swipe your card at other times.
11. If you fail to swipe your card once, don't try to swipe your card with a low amount again. Even if you succeed, the risk is too great, so you should know the remaining amount of the card in real time.
12. if the card is used for more than half a year, and there is a monthly transaction volume, the success rate of basic withdrawal is higher. Generally, you can apply for the first mention after half a year, and then once every three months, so you must take the initiative to apply.
how to report the loss of China merchants bank's credit card and reissue it?
The process of reporting the loss of China Merchants Bank's credit card is as follows:
If your credit card is accidentally lost, please call China Merchants Bank's credit card number: 4-82-5555, select "Report the Loss of Credit Card" and make a request for reporting the loss to China Merchants Bank's credit card customer service. The customer service will ask you to provide your ID number and name for verification. After verification, you can report the loss of your credit card. Re-registration procedures can also be completed by hotline.
In addition, it should be noted that the loss reporting of China Merchants Bank's bank credit card is a charging business, and the charging standard for loss reporting is RMB 6 yuan/card. If you need to reissue a new card after loss reporting, you will need to pay an additional fee for 15 yuan/card. The reissued credit card will be mailed to your billing address in about ten working days, and if you need express delivery, you will need to pay the express delivery fee in 2 yuan.
How to reissue China Merchants Bank Card
If the card of China Merchants Bank is lost, in order to ensure the safety of account funds, you can dial 95555 first and select "4" to report the loss orally. If you can't dial 95555, you are advised to add the city area code of your account before dialing or dial 28-95555 or 755-95555 directly. Any branch of China Merchants Bank, online banking and mobile banking in the whole bank can also report the loss of one card orally, with no limit on the number of loss reports and no handling fee. Copy of ID card can't apply for written loss reporting and replacement card.
Tips
1. Oral loss reporting will automatically become invalid at 24: on the fifth day (inclusive). Please bring the original account opening certificate to any counter of our bank as soon as possible to make a "written loss reporting" and get a new card.
2. If the card cannot be reported in writing in time, it is suggested to report the loss orally again within the validity period of oral loss reporting to ensure the safety of the card, and the validity period of each oral loss reporting will be extended by 5 days.
3. If the card is retrieved, you need to cancel the oral report of loss in advance. Please bring your ID card and one-card to any outlet of China Merchants Bank (you can't handle it on your behalf).
if you report the loss of China merchants bank's credit card, please call customer service, and you don't need to provide documents.
This concludes the introduction of how to reissue the lost China Merchants Credit Card and how to reissue the lost China Merchants Credit Card. Did you find the information you need?