You can report a loss regardless of whether the payment has been made yet.

When you find that your credit card is lost, you should report the loss immediately. You can call the credit card customer service hotline to report the loss, or report the loss through a CCB branch. If you have opened online banking or mobile banking, you can also report the loss and replace the card after logging in. There is a fee for reporting the loss of a credit card. There is a fee of 50 yuan for reporting the loss of a credit card. Some card types require a cost-based fee for card replacement.

After reporting the loss, you can repay according to the card number. If the new card is received before the due repayment date, you can also repay directly to the new card.