Doesn’t it matter if the credit card is not activated or lost?

It doesn’t matter. Even if the credit card is not activated, problems will arise if it is simply lost. After all, the chip on the credit card contains the customer's personal information. Once it is picked up by criminals and the personal information is leaked, it will cause security risks. Criminals are likely to activate the card for fraud after obtaining the customer's information; they may also use the customer's information to apply for small loans, or even conduct some illegal activities

Credit cards are also called debit cards. , is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

According to different card issuers, they can be divided into bank cards and non-bank cards

Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

Non-bank card.

This type of card can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., and are used for purchasing tickets, meals, accommodation, entertainment, etc.

According to the different objects of issuance, it can be divided into corporate cards and personal cards

Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, national party and government agencies, military units, groups and other legal organizations.

Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income. A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.

According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards

Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.

Gold Card.

The gold card is a high-end credit card that pays high membership fees and enjoys special benefits. Cards are issued to those with higher credit standing, stronger repayment ability and credit, or those with a certain social status. The authorization limit of the gold card starts from a higher level, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.

Can I get a replacement if I lose my credit card without activating it?

No matter whether you open a card or not, there will be risks if your credit card is lost. It is recommended that you report the loss immediately. All risks incurred must be borne by you until you formally report the loss. If it is a Ping An Bank credit card, you can log in to Ping An Pocket Bank APP - Credit Card - More - Card Management - Card Protection to report the loss of the card and replace it, or call Ping An Credit Card customer service hotline 95511-2 and transfer to manual customer service to assist in reporting the loss and replacement of the card.

If you need to inquire about Ping An Bank's credit card business, you can click on the link below and select "My" in the lower right corner - exclusive customer service or follow Ping An Credit Card's WeChat public account (paxyk95511) for consultation.

Response time: 2022-01-30. For the latest business changes, please refer to the official website of Ping An Bank.

What to do if your credit card is not activated but is lost

1. Go to the bank to apply for a new card, which may require you to pay some processing fees.

2. Call the bank, and then cancel the lost credit card or apply for a loss report to prevent others from stealing it and causing loss of profits.

3. If the credit card applied for online is lost before activation, you need to call the bank’s credit card center to report the loss. After reporting the loss, the Bank of Communications will automatically invalidate it and re-issue it. credit card. If you no longer need it, call customer service and log out directly.

Credit Card Activation Method

1. Open a card on WeChat: Enter “open card” on the official WeChat.

2. Card activation space: My Account - Check and Repay - Open Card;

3. SMS: The last four digits of the KK card and the last six digits of the ID number (No. No need to enter) and send it to 106980095558 to open the card;

4. Customer service hotline: Enter the main menu of self-service voice service and select 3 (activate card and set password)-1 (activate credit card);

5. Official website: Credit card official website--My Account--Card Settings--Credit Card Opening;

6. Manual: Call the customer service hotline 40088-95558, select "Manual Service" to apply for card opening .

Warm reminder: Some credit cards require identity verification at any outlet. They can be used after success. Please refer to the text message reminder.

Activating a credit card at a bank counter refers to a credit card applied online. When applying for a credit card in this way, the applicant and the bank have never met, so the cardholder needs to bring their ID and credit card to the bank for an interview in person. Just follow the bank's requirements for the activation process.

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Credit card is also called loan A charge card is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the specified credit limit. The so-called credit card generally refers to a credit card only.

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 outlet 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 losses caused by fraudulent use of the card after your loss report takes effect, and will The new 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.)

This is the introduction of what to do if the credit card is not opened and lost. .