First, if the current status of the credit card is normal and not overdue, the arrears in the credit card will not affect the cardholder's official loss reporting and replacement; If a new card is received before the due repayment date, the arrears can be directly returned to the new card; If you don't receive a new card on the due repayment date, you can ask the customer service to inform the card number and use the credit card number to make repayment without a card; The account and points of the old card are automatically transferred to the new card. \x0d\\x0d\ 2. If the credit card is overdue at present, but it can still be used within 90 days, the cardholder needs to repay the arrears according to the customer service of the credit card, and then apply for a formal replacement card to report the loss; \x0d\ Thirdly, if the credit card is overdue for more than 90 days, and the card has been frozen by the issuing bank, the cardholder needs to return the arrears as soon as possible, and then report the loss and reissue the card. Due to the long overdue period, the application result is subject to the approval of the issuing bank.