Guidelines for reporting loss, replacement and cancellation of ICBC credit cards

1. Reporting loss of ICBC credit cards

If your credit card is lost, please call ICBC customer service immediately Hotline (95588)/VIP hotline (400-66-95588), follow the voice prompts to handle the process yourself or choose manual service to report the loss of your credit card. In addition, you can also report loss through online banking, mobile banking and other channels.

2. ICBC Credit Card Replacement

If you need to apply for a new card after your credit card is damaged or reported lost, you can call the ICBC customer service hotline 95588 and follow the voice prompts to select "6 Credit Card Service-9 Manual Service" ” Or you can go to the designated business outlet of the card issuer with your valid ID to apply for a new card.

Please activate the new card promptly after receiving it, and destroy the damaged card to avoid risks.

3. ICBC Credit Card Replacement

Credit card replacement is divided into: credit card replacement in advance, credit card expiration, expired credit card replacement, damaged credit card replacement, etc.

If you need to change your card, you can call the ICBC service hotline 95588 and select "6 Credit Card Service" to switch to manual service. The staff will confirm whether it can be done over the phone based on the situation of your card, or you can also bring a valid Please go to the local designated business outlet to apply for the ID card and card.

IV. Cancellation of ICBC credit card

ICBC credit card can only be canceled if there is no outstanding payment. If you really need to cancel, you can call ICBC customer service hotline 95588 and follow the voice You will be prompted to transfer the manual service to handle it for you, or go to the ICBC designated business outlet to cancel your credit card.

Warm reminder: If your card requires an annual fee, it is recommended that you continue to use the card to meet the annual fee reduction standards before canceling the card.

Can ICBC credit cards be reissued online

ICBC credit cards can be reissued online.

However, it needs to be activated in advance at the account opening outlet. Individuals can log in to the official website of ICBC, find "ICBC e-Life" in the personal online banking interface on the official website, select "Use Card", and follow the prompts to open ICBC credit card online banking

The ICBC credit card has arrived, but I haven't yet. What should I do if my ICBC credit card is lost before I have time to activate it?

When your ICBC credit card arrives and is lost before you have time to activate it, you must first report the loss, and then if you still want to use the card, apply for a replacement card from the card-issuing bank. The bank will Recreate and send credit card. The replacement credit card will not be the same as the original card.

1. Call to temporarily report the loss. We all know that unactivated credit cards may also be stolen. Therefore, in order to ensure the safety of your cards, you must first report the loss of an unactivated credit card after discovering that it is lost. It’s time to call the customer service of the card-issuing bank and ask the customer service to freeze the credit card and report the loss.

2. Go to the counter to formally report the loss. There is a time limit for temporarily reporting the loss of a credit card. When the time limit is exceeded, it will be automatically unregistered. For this reason, we have to go to the counter to formally report the loss. To formally report the loss of a credit card, you must bring your ID card, fill out the loss report application form, and pay the loss report fee. The bank will formally report the loss for you. After the loss report is successful, the credit card will automatically be invalidated.

Classification of credit cards:

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

(1) Bank cards: This is With a credit card issued by a bank, cardholders can shop and make purchases at the card-issuing bank's special merchants, and they can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

(2) Non-bank cards: 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.

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

(1) Corporate cards: Corporate cards are issued to various industrial and commercial enterprises, scientific research and education Legal entities such as public institutions, national party and government agencies, military units, groups, etc.

(2) 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.

How to replace a lost ICBC credit card

If your ICBC credit card is accidentally lost, in order to ensure the safety of the funds in the card, first call the ICBC service hotline at 95588 to handle the temporary loss report procedure. In this way, the bank will freeze your account to prevent the money in the account from being withdrawn.

1. If your credit card is lost, please immediately call the ICBC customer service hotline (95588)/VIP hotline (400-66-95588) or report the loss through ICBC online banking or business outlets (the loss report will take effect immediately) ), and you can replace the card with a new one through the customer service hotline or business outlets at the same time. A loss reporting fee is required to report the loss.

Reporting the loss of the primary and secondary cards of the Peony Credit Card is independent of each other. Reporting the loss of one card will not affect the normal use of the other card. If the primary and secondary cards are lost at the same time, please report the loss separately.

If a credit card is found after being reported as lost, you must go to the counter of the card issuer with your ID and card to go through the written cancellation procedure of reporting the loss.

2. If your card can no longer be used due to damage, breakage, degaussing of the magnetic strip or incorrect signature, etc., you can call the ICBC credit card customer service hotline to apply for a new card. Please activate the new card promptly after receiving it and destroy the damaged card to avoid risks.

3. The validity period of Peony credit cards generally does not exceed 5 years. Expired cards can no longer be used, but the use contract is still valid. If you need to continue using the card, please apply for a card replacement through online banking, the card issuer or the customer service hotline. If you do not want to change the card for the time being, please notify ICBC one month in advance, and ICBC will reserve it for you within a certain period of time; when you need to continue using the card in the future, you can apply to ICBC to change the card.

4. If you no longer want to use the ICBC credit card, you can apply for account cancellation or card cancellation through the customer service phone; if you made a deposit transaction within 30 days from the time of account cancellation to the official settlement of account cancellation, You need to go to the business outlet in the card-issuing area to handle the account cancellation settlement with the valid ID document you used when applying for the card.

Call the customer service phone to apply for card cancellation. After deducting the annual fees receivable for all cards under the account, the account balance must be zero or the customer has clearly stated that he will give up the remaining deposits in the account. Only then can he apply for card cancellation through the customer service phone, otherwise you only have to You can bring your valid ID card to a bank branch to cancel.

I lost my ICBC card, how do I get a replacement?

Bank card loss reports are divided into verbal loss reports and formal loss reports.

1. Verbal loss reporting: Verbal loss reporting refers to temporary loss reporting due to loss of bank cards, passbooks, and deposit receipts. After verbal loss reporting, users’ lost bank cards, passbooks, and deposit receipts will not be able to continue within the loss reporting period. use. Verbal loss reports are valid for 15 days. Within the validity period, users must complete the formal loss report procedures, otherwise the oral loss report will automatically become invalid.

2. Formal loss report: Formal loss report refers to the loss report that users go to a business outlet to handle because they have lost their bank card, passbook or deposit receipt. After a formal loss report is made, the user's lost bank card, passbook or deposit receipt will no longer be usable. Seven days after the ICBC user officially reports the loss, the bank will handle the cancellation of the loss report and reissue a new bank card, passbook or deposit receipt for the ICBC user.

Generally, a new card can be replaced 7 days after a bank card is reported as lost. Cardholders can report the loss in writing at any outlet in the city where the original card issuing bank is located with their valid ID and payment password. After reporting the loss of the debit card, the cardholder can go to the original loss reporting outlet to replace the card or cancel the account with the loss report application receipt and valid ID. The number will change after reporting the loss. The number does not change after the credit card is reported lost. A debit card loss report handling fee of 10 yuan is charged when reporting the loss in writing, and a replacement card fee of 5-10 yuan (charges vary by bank). If it is a savings card: First, you can call 95588 to temporarily report the loss (valid for 15 days and can be renewed multiple times) to protect the security of the account. After that, you can go to any ICBC hall in the city where you applied for the card with your ID card to formally report the loss. If your ID card is lost, you can apply for a temporary ID card or a user's household registration certificate. Credit card: Call 95588 to report the loss, then go home, bite your handkerchief, pull out your calendar, and wait for the card to be mailed. In short, the procedure for reporting the loss of a bank card is very simple. Reporting the loss in time can effectively avoid the loss of funds in the card. Therefore, if the card is lost, you must go through the loss reporting procedures as soon as possible and timely.

: Loss report for reissue of ICBC credit card: According to the regulations of the ICBC Credit Card Center, after the ICBC credit card is lost, the loss report should be made promptly for the safety of the account funds. You can log in to ICBC online banking to report the loss, or you can call ICBC. Report the loss to the bank’s credit card customer service hotline. After reporting the loss of an ICBC credit card, you can apply for a reissue. Generally, banks will issue a card issuance notice within 7 days after receiving the reissue application, and the card will be sent to the cardholder by mail or express delivery. Normal loss reporting and replacement of credit cards remain unchanged. If the lost credit card is found again, it can be canceled. The loss report is processed through 95588. To cancel the loss report, you must bring the card and your ID card to the local card issuer branch to apply for cancellation of the loss report business. There should be no charge. The specific situation will be informed by the staff of the branch.

Re-issuance of expired ICBC credit cards: The validity period of ICBC credit cards is generally no more than 5 years. Expired cards cannot be used again, but the receipt contract is still valid. If the cardholder needs to continue using the card, he or she can apply for a card replacement through online banking, the card issuer or the customer service hotline. If you do not want to change the card for the time being, you can notify ICBC one month in advance, and ICBC will reserve it for the cardholder for a certain period of time; when the cardholder needs to continue using the card in the future, he or she can apply to ICBC to change the card. To sum up, it usually takes about a week to reissue a lost ICBC credit card, which is quite a long time. Therefore, when you use your credit card, you must keep it properly to avoid losing it.

That’s it for the introduction of how to replace a lost ICBC credit card.