I don't know which bank credit card you applied for. I use CCB credit card. If the card is lost, you can directly call the customer service hotline to apply for a replacement card. The loss reporting fee is 50 yuan, and the replacement card is free (IC card has business card printing fee). You can apply for a replacement card immediately after reporting the loss, without paying off the previous money first. The loss reporting fee will be deducted from the new card and the replacement card will be re-mailed to you. If you happen to meet the bill repayment date within this delivery period, it is very simple, just bring your ID card to the CCB outlet to repay it ~