Can I cancel the credit card directly after reporting it as lost?

If the credit card is lost and it is confirmed that the credit card has not been stolen, you can cancel it directly. Before canceling, you need to pay off the credit card debt. There must be no overpayment, and then call the customer service hotline of the bank where the credit card belongs, and transfer it directly to a manual. The customer service staff will verify the relevant information and then accept the application. It usually takes 45 days to call to confirm whether the cancellation is successful. No accident, the credit card will be canceled successfully.

Types of credit cards

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

Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

Non-bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards.

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

Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, national party and government agencies, military units, groups and other legal entities.

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.

According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards

Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.

Gold Card. A gold card is a high-end credit card that pays high membership fees and enjoys special benefits.

According to different repayment methods, credit cards can be divided into credit cards and quasi-credit cards

Credit cards. When the card-issuing bank provides bank credit, it is first used as an overdraft, and then repaid or paid in installments. Most of these cards are used internationally.

Quasi credit card. It is a credit card issued by a bank that allows you to deposit money first and spend later.

According to the different circulation scope of credit cards, they can be divided into international cards and regional cards

International cards. An international card is a credit card that can be used outside the country of issue and is accepted worldwide.

Regional card. A regional card is a credit card that can only be used within the issuing country or within a certain region. Most of the various credit cards issued by commercial banks in my country are regional cards.

How to cancel a lost credit card

1. After logging in to the public version or professional version, select "Card Management → Credit Card Loss Report";

2. Call the credit card customer service hotline , select "2#" to enter the manual loss report card.

3. After logging into mobile banking, select "Home → Credit Card", click the small "Card" icon on the right side of the top of the screen, and then select "Card Management → Report Loss of Card";

4 . After logging in to Mobile Life, select "My → Card Manager", select the card you want to report lost, and click "Lightning Card Replacement → Card Lost".

In most cases, citizens who have full capacity for civil conduct (citizens over 18 years old in mainland China) and have certain direct financial resources can apply for a credit card from the card issuing bank. Sometimes, legal persons can also be applicants.

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank.

After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature. [9]

Review

After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness. The content of the review mainly includes whether the content of the application form is true. The creditworthiness of the applying unit must be evaluated, and the relevant circumstances of the guarantor must also be reviewed for individuals.

Usually, banks will judge whether to issue a credit card to the applicant based on the application information and various aspects of the applicant's information and financial situation. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and processes reviewed by the card issuing bank are commercial secrets and are generally difficult for outsiders to understand. The standards of each card-issuing bank are also different. Therefore, the same materials may be issued with different credit limits and different types of credit cards in different banks. Some banks may even approve the application, while others may reject it. .

How to cancel an inactive Bank of China credit card if it is lost

In order to ensure the security of your account and prevent potential risks, it is recommended to report the loss first. You can directly call the Bank of China Credit Card Center at 4006695566.

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

My credit card has been reported as lost. How do I cancel my old card account? Are there any fees for canceling the account after reporting the loss?

But when a credit card is lost or stolen, the first reaction of the cardholder is to go to the bank to report the loss. Either they will not replace the card, they will cancel the card directly, or they will report the loss and have it reissued. Many cardholders have asked, if their credit card is reported lost, how can they cancel the old card? Are there any fees for canceling the account after reporting the loss? Let’s find out together!

My credit card has been reported as lost. How do I cancel my account with the old card?

After the credit card is reported as lost, the cardholder's credit card will be in a frozen state, but the account will not be automatically canceled and it will take a long time. If the cardholder chooses to apply for a new card, the original card will be invalid by default, and there is no need to perform operations such as card cancellation.

If the cardholder chooses to reactivate, the bank will re-create an identical card, which remains unchanged, and then send it to the cardholder. After the cardholder receives it, he can reopen it, activate it, and set the password to use it.

In the absence of receiving a new card, the old card can still be used and repayments can be made, but consumption cannot be made. Of course, once the new card is received, the old card cannot be used.

Are there any fees for canceling the account after reporting the loss?

To cancel the account after reporting the loss, you need to check whether the cardholder still has outstanding credit card bills. If not, there is no additional fee to cancel the account. If there are still outstanding bills, Chia customers need to repay the bills first and then cancel the account.

And account cancellation is different from card cancellation. Card cancellation is just to cancel a single credit card, while account cancellation is to cancel all credit cards under your name. This also means that all credit card personal information accounts left by cardholders in the bank will be cancelled.

The above is the sharing of relevant content on "If a credit card is reported as lost, how to cancel the old card", I hope it can help everyone!

How to cancel the credit card account of Minsheng Bank

There are two ways to cancel the credit card account of Minsheng Bank

1. Cancel the credit card account through the bank phone

Minsheng Bank credit card holders can call the customer service hotline 400-669-5568 to cancel the account, and enter other information according to the prompts to successfully cancel the account. Special reminder is that there must be no outstanding balance in the account when canceling the card, and to ensure account security, the card must be with the cardholder when canceling the card over the phone.

2. Cancel the account through the counter of Minsheng Bank

If the credit card has been lost, the cardholder can only cancel the account through the bank counter.

When you go to a bank branch to cancel your credit card, you need to bring a valid ID, fill out the relevant application, and then complete the cancellation.

It should be noted that if your credit card is lost, it is best to report the loss first and then cancel it. According to the credit card regulations, the cardholder shall be responsible for the losses caused after the credit card is lost and before the loss is reported. The losses caused after the loss report takes effect shall not be borne by the cardholder.

Notes on cancellation of Minsheng Bank credit card

1. There is a difference between card cancellation and account cancellation. After the credit card account is closed, all credit cards under the account will be canceled.

2. Only by settling the outstanding balance in the account can the cancellation be smooth. In addition to preparing relevant ID cards, you must also ensure that there is no outstanding balance in the card. If the deposit amount is small, you must explain it to the staff and ask them to clear it.

3. After applying for cancellation, you must wait for a 45-day settlement period, and call the bank after 46 days to check the cancellation status. Only after confirmation can the cancellation be considered successful.

4. Cut off the old card after completing the cancellation. The canceled card still contains a lot of personal information, and can be used in some places only, so it must not be thrown around. If there is no need for collection, the magnetic strip should be cut off and handed over to the bank counter for special shredding.

How to cancel a credit card reported lost?

1. If a China Merchants Bank cardholder reports the loss of their credit card, please call the credit card customer service hotline 4008205555 and select "2#" to be transferred to a customer service specialist. If a credit card is lost, stolen or possessed by others, the risk of misappropriation after the cardholder reports the loss will be borne by the bank. Non-password consumption within 48 hours before the loss is reported is covered by card loss protection according to specified rules. If the card is not reported as lost in time, the risk will be borne by the customer

2. The loss report fee is RMB 60 per card. Once the credit card is reported as lost, it will take effect immediately and is irrevocable (VISAMINI large and small cards can be reported as lost individually or at the same time. The fee is 60 yuan/time).

3. The new card that is reissued after the loss is reported and the three digits on the back of the card will change, but the account information remains unchanged and the card type is the same as the original card, and repayment can be received.

4. If the loss is reported within half a year before the card expires, the validity period of the new card issued after the loss is automatically extended for 5 years.

5. It takes 2 working days to make a new card after reporting the loss, and it will be sent by Rufengda free express delivery (within about 1 week), or you can choose EMS express delivery (within about 48 hours). A courier fee of RMB 20 is required, and the loss reporting fee and courier fee will be included in the next bill.

This ends the introduction on how to cancel a credit card after reporting a loss and how to cancel a credit card reported as lost. Have you found the information you need?