What should I do if I report the loss of my credit card?

The main ways to report the loss of a bank card are as follows:

1. Go to the bank branch counter to handle it. With your valid ID, go to the nearest bank branch counter and fill in the relevant application form as required. You can then report temporary loss or formal loss report.

2. Call the bank’s customer service hotline to report the loss. Call the bank’s customer service number and report the loss verbally. It can be handled through self-service voice or manual service. When reporting loss, we can also choose to report the loss temporarily. The period of temporary loss reporting is 7 days. If you still need to report the loss after more than 7 days, you need to go to the bank with your ID card to go through the formal loss reporting and replacement procedures before the verbal loss report expires. If the bank card has been found, wait until the verbal report of loss expires and the bank card can be used normally.

3. Report loss through mobile banking/online banking. Take China Merchants Bank (Android version: 9.5.1) as an example: log in to the China Merchants Bank mobile app, click "My" - "Bank Card", and click on the bank card that needs to be reported lost. If you want to report the loss of a credit card, click "More Functions" - "Report Card Loss"; if you want to report the loss of a debit card, click "One-Click Lock Card" - "One-Click Loss Report".

1. When reporting the loss of a bank card and then re-issuing it, the regulations of each bank are similar. It is divided into temporary loss reporting and long-term loss reporting. Temporary loss reporting lasts for 7 days. Long-term loss reporting will expire after formal loss reporting. Generally speaking, it takes 7 days to report a loss verbally or in writing. The official loss report in writing shall prevail. After the loss is officially reported in writing, the verbal loss report will automatically expire. If there is no written loss report, the account that is frozen after the validity period will be automatically released, and the loss can be reported verbally continuously.

2. How the bank cancels the loss report: If the user reports the loss temporarily, the loss report will be automatically canceled after 7 days. If the user reports the loss permanently, the user needs to bring their ID card and bank card to the bank counter to cancel the report. After the loss report of a bank card is released, bank card, electronic banking and other functions will be restored immediately. Please note that the loss report cannot be released on behalf of others. After a bank card is lost, you should go to the bank to report the loss as soon as possible to prevent criminals from using illegal means to obtain funds and causing their own economic and property losses.

Can the temporary loss report of Bank of China credit card be lifted?

Lifting the temporary loss report of Bank of China credit card:

After the card is recovered, you can apply to lift the temporary loss report and resume using the card. You can apply through Bank of China mobile banking, "Bank of China Credit Card" WeChat official account, Colorful Life APP, personal online banking or call the Bank of China Credit Card customer service hotline 4006695566.

The above content is for your reference, please refer to actual business regulations.

How to return to normal after reporting a credit card loss

Credit card loss reporting can be divided into temporary loss reporting and formal loss reporting. Recovery requires a different approach. Cardholders must first figure out what kind of loss report they are handling, and then take corresponding measures to restore the credit card to normal:

1. Temporarily report the loss. Temporary loss reporting means that the credit card is temporarily frozen, and you can then apply for an unlinked credit card and restore it. However, it should be noted that temporary loss reporting is time-sensitive, usually 3-5 days. If the loss report is not released in time within the time limit, the temporary loss report will be converted into a formal loss report. At this time, cardholders can only take formal loss reporting solutions to restore the use of their credit cards.

2. Officially report the loss. Officially reported credit cards cannot be decoupled. If you want to restore your credit card, you can only apply for a replacement credit card at the same time as reporting the loss, and then activate it after you get the new card. Pay attention to the credit card that was reported lost and replaced. Unlike the security code and the old card, other accounting information is still the old card. This is also a measure taken by banks to ensure the security of card use.

How to restore the credit card to normal after reporting it as lost? See if you are using the right method

Many people cannot find their credit card and worry about the risk of reporting the credit card as lost. In this way, the credit card will be in a payment stop state and cannot be used for transactions, which is equivalent to adding a layer of security to the credit card funds. . Many people recover their credit cards even if they find them after reporting the loss. So how do you restore your credit card to normal after reporting it as lost? Let’s briefly introduce it today.

How to restore the credit card to normal after reporting it as lost?

Credit card loss reports are divided into temporary loss reports and formal loss reports. The ways to restore the credit card to normal are also different. Cardholders should figure out what kind of loss report they are handling, and then adopt corresponding solutions to restore the credit card to normal. Return to normal, as detailed below.

1. Temporary loss report: Temporary loss report temporarily freezes the credit card, and you can apply for release and restore the credit card later. Note that temporary loss reports are time-sensitive, usually 3 to 5 days. If the loss report is released in time within the time limit, the temporary loss report will be converted into a formal loss report, and the only way to recover the credit card is through a formal loss report.

2. Official loss report: A credit card that has been officially reported as lost cannot be canceled or released. If you want to restore the credit card, you can only apply for a replacement credit card when you report the loss, and activate it before using it after you get the new card. Note that the security code and security code of the replacement credit card that is reported as lost are different from the old card, and other accounting information is still that of the old card. This is also a measure taken by the bank to protect the safety of the card.

It should be reminded that not all banks can provide the above two loss reporting methods. It is recommended to call the bank to consult clearly before reporting a loss, and then choose the most appropriate loss reporting method. Cardholders can also choose not to replace the card after reporting the loss of their credit card, but reporting the loss and not replacing the card does not mean the account is closed, and the credit card will still be charged.

The above is the relevant introduction of "How to restore the credit card to normal after reporting it as lost". I hope it will be helpful to everyone.

This concludes the introduction on how to cancel a credit card loss report and how to cancel a credit card loss report. Have you found the information you need?