How to replace a lost credit card?
1. If your credit card is lost, report the loss to the bank within 48 hours, and the bank will freeze the card account. After you get the new card, you can apply to the bank to open a new card to ensure that your funds will not be lost. Lost;
2. Call the bank credit card center, otherwise your account is still frozen. It says that you have received the card safely and you can open it to report the loss and replace it: the new card is different from the original card, as well as the last three digits of the security code on the back of the card.
Extended reading:
Credit card application:
1. The principal cardholder’s information and personal income certificate.
2. Supplementary card applicant information.
3. Guarantor’s information.
4. Other information.
5. Declaration and signature of the principal card applicant and supplementary card applicant.
6. Bank special column.
What should I do if I lose my Agricultural Bank of China credit card?
Hello! If your credit card is lost, you can report the loss through the following channels:
1. Palm Bank: Please log in to the Palm Bank APP, click "Homepage → Credit Card → Card Manager → Report Loss and Replace Card", and select For the credit card you want to report lost, enter your mobile phone number and verification code, click "Next", and the loss report is successful.
2. Online banking: Please log in to personal online banking, click "Credit Card → Settings → Report Loss and Replace Card" to handle the process of reporting loss and replacement of credit card.
3. WeChat: Please follow the "Agricultural Bank of China Credit Card" WeChat official account. After binding the credit card, you can enter "manual" to transfer to Kaka's teacher to handle the card protection business for you.
4. Customer service hotline: Please call our bank’s 24-hour credit card center customer service hotline 4006695599 (for areas where 400 is not available, please call 02161195599, for overseas please call +86-21-61195599) to report the loss.
5. Counter: The card owner is required to bring his/her identity document to an Agricultural Bank of China branch to handle the card loss and replacement business.
Warm reminder:
1. Once the loss report is processed, it will take effect immediately and cannot be revoked.
2. To report a loss, you need to pay a loss reporting fee of 50 yuan from your account (free for platinum cards and other special cards). Our bank will bear the economic loss of the card being used fraudulently after your loss report takes effect, and will The replacement card will be mailed to you promptly.
3. After reporting the loss, our bank will provide you with a new card for free, and the new card will be sent to you by registered mail. If you want to get a new card as quickly as possible, you can apply for EMS Express and courier services require an emergency handling fee of 20 yuan each time from your account (free for special cards such as platinum cards).
If your credit card is lost, you can do the following:
1. Card protection: Our bank can temporarily add card protection for you. The temporary freeze is valid for 7 days. The freeze will be automatically unfrozen.
2. Reduce the limit: In addition to card protection, you can also choose to reduce the limit of your card. There will still be certain risks in card protection and limit reduction, and you still need to bear the risk yourself before reporting the loss. In order to ensure the safety of your funds, if the card is confirmed to be lost, please report the loss immediately.
3. Loss report: You can report the loss through our bank's personal mobile banking APP, "Agricultural Bank of China Credit Card" WeChat official account, personal online banking, customer service hotline 4006695599, counter and other channels.
(Answer time: September 15, 2022. In case of business changes, please refer to the actual situation.)
What to do if a credit card is lost?
1. Search. If your credit card is lost, first look for the place where you went before it was lost.
2. Report the loss. If you look for it and don’t find it, you should go to the bank or call the customer service computer to report the loss in time.
3. Reissue. If you still want to continue using your credit card, you can apply for a reissue.
4. If you no longer want to use your credit card, you can go to the business hall to cancel it after reporting the loss. Note that you need to pay off all the money owed on the credit card when canceling.
5. Warm reminder, do not keep multiple credit cards together for a long time.
What should I do if I lose my credit card? What should I do if I lose my credit card?
If you lose your credit card, there is a loss reporting fee, which seems to be very high, and the same applies to a replacement.
What should you do to reduce your costs? What if you find the most suitable method later? Here I will introduce to you several solutions to this situation.
Option 1: Apply for temporary loss report
Step 1: Apply for temporary loss report, wait for a while and then look for it again
Loss report can be temporary or permanent, and temporary loss report is free Yes, many people don’t know. Therefore, generally when you call customer service to report a loss, you will default to a permanent loss report that requires a fee.
Choosing to temporarily report the loss can be lifted. In fact, it is equivalent to having a buffer period, which is convenient for many people in Madagascar to slowly find their cards again. Otherwise, you can proceed directly to the following operations.
Step 2: If you do not need to use the lost card, you can consider applying for a new card. At this time, as an old customer of the bank, it is much faster to apply for a new card review and issue the card. After you get the new card type and activate it, you can call the bank to cancel the lost card. After paying off the outstanding balance, you can cancel it. The whole process is free and the speed is relatively fast.
Option 2: Apply for a loss report
If your card is lost in the toilet or other places where the chance of being picked up is very low, and you don’t want to change the card, then, It is undoubtedly best to apply for a loss report directly. To report a loss is to treat the card as damaged and issue a new one. Although such an operation cannot avoid the second and third inconveniences caused by reporting the loss mentioned above. However, the cost of reporting a loss is much cheaper than reporting a loss. Many banks report losses for free, and some only charge a cost of about 10-20 yuan.
Why is this? Because once a customer applies to report a loss, the bank will bear the loss after the loss is reported. For banks, the higher the risk, the higher the charges.
Important reminder: If you are not sure whether the lost card is safe, report it as lost.
Option 3: Lower the limit or cancel the card
If you hold more than 1 credit card from the same bank and one of the cards is lost, you can apply to increase the card limit. Reduce it to 1 yuan. Because the quotas of these cards are exclusive, and the quotas of other cards will not be affected after the reduction.
If you don’t need the lost card, it’s even easier, just apply for account cancellation! Once and for all! However, before that, remember to transfer the points from the lost card to other cards to avoid wasting it!
Important reminder: This plan is suitable for those who hold more than 2 credit cards from the same bank, or who do not like the bank's credit cards.
Finally, since each bank has different regulations, the methods mentioned above may not be applicable to all. Please remember to call customer service before operating.
If the main credit card is lost, can the secondary card be used? It mainly depends on the situation
In order to facilitate family consumption, many cardholders will apply for secondary cards for their parents after applying for the main card themselves. The secondary card can only be used when it is attached to the main card. Some cardholders may ask whether the secondary card can still be used if the main credit card is lost. This depends on the situation. Let’s analyze it below.
If the main credit card is lost, can the secondary card be used?
The main credit card and the supplementary card complement each other. The supplementary card can only be used when the status of the main card is normal. If the status is abnormal, such as freezing of the main card, reporting loss, stop payment, etc., the supplementary card will be used. It is restricted for use and can only be used when the main card status returns to normal.
If the lost primary card is just lost, the card status is still normal, and the secondary card can be swiped as usual. However, in order to avoid risks, it is best to report the loss of the lost primary card and then apply for a new card. However, since the primary card is temporarily frozen after reporting the loss, the secondary card cannot be used again until the new card is activated.
So, how to report a loss?
The loss reporting process is very simple. After the cardholder discovers that the main card is lost, he should call the service hotline of the card issuer as soon as possible, transfer to the manual customer service, and submit an application for reporting the loss of the credit card. After the bank accepts it, the main card will be returned. The card is temporarily frozen, and a new card will be issued in about 2 working days and then mailed to the reserved delivery address.
It should be noted that after the credit card is reported lost and replaced, the new card, security code and other information will change. After activation, the old card accounting information will be loaded onto the new card. During this period, if there is any debt, it will not be collected. You can repay the old card by transfer before switching to the new card, or you can also repay the money to the supplementary card.
In short, if the main credit card is lost, the secondary card can be used as long as the loss is not reported. However, if the loss is reported, the secondary card can only be used if the new card is activated and replaced.
This concludes the introduction on what to do if the main credit card is lost and what to do if the main bank card is lost. Have you found the information you need?