After the loss of a credit card is reported, the cardholder's credit card will be in a frozen state, but it will not be automatically closed, and it will take a long time. If the cardholder chooses to reapply for the card, the original card will be invalid by default, and there is no need to cancel the card.

reporting the loss does not mean canceling the card

If the cardholder chooses to reactivate, the bank will re-create an identical card with the same card number and send it to the cardholder. After the cardholder receives it, it can be re-opened, activated and used after setting the password.

under the condition of not receiving a new card, the card number of the old card can still be used, and repayment can be made, but consumption cannot be made. Of course, after the new card is received, the old card cannot be used.

is there a charge for closing the account after reporting the loss?

before closing the account after reporting the loss, it is necessary to see whether the cardholder has any credit card bills that have not been returned. If not, there is no need to pay extra for the account cancellation. If there are still outstanding bills, customers need to pay the bills first, and then close the account.

and unlike card cancellation, card cancellation only cancels a single credit card, while account cancellation cancels all credit cards under one's name. This also means that the credit card personal information account left by the cardholder in the bank will be cancelled.