Credit cards can be reported lost.

1. What is the process for reporting the loss of a credit card?

Step 1: Call customer service to verbally report the loss

Currently, the customer service hotlines of all banks are open 24 hours a day. Once discovered, If your credit card is lost, you must call the bank’s customer service hotline as soon as possible to report the loss verbally. Don't take chances. Usually, fraud occurs within a short period of time after the card is lost. The sooner you report the loss, the smaller the risk.

Cardholders only need to call the card-issuing bank’s customer service hotline and enter the “Emergency Loss Report” hotline, and professional customer service will guide them in reporting the loss. Follow the customer service prompts and provide relevant information to report the loss verbally. Reporting a loss will take effect immediately, and the bank will be responsible for any losses incurred after the loss is reported.

Step 2: Confirm whether the credit card has been stolen

After the credit card is lost, the biggest worry is that it has been stolen. Therefore, you must always pay attention to the card consumption after the card is lost. Once you find abnormal consumption on your card, you should call the police in time.

This step is very important when applying for lost card protection later, because when applying for lost card protection, the cardholder needs to provide evidence by himself to prove that the card was indeed lost or stolen and was not actively borrowed from others. At this time, The alarm record is particularly important.

Step 3: Go to a bank outlet to report the loss in writing

After verbally reporting the loss over the phone, you must bring your personal valid document (ID card) to the bank outlet to report the loss as soon as possible. Go to the card issuing bank.

Step 4: Apply for lost card protection and make a claim

If fraud occurs, you need to apply for lost card protection and make a claim. Different banks have different claims settlement standards for lost card protection. For details, please consult the customer service of the card issuing bank.

Step 5: Wait for the new card to be issued

After completing the above steps, you can apply for a replacement card. It should be noted that most banks require certain handling fees for reporting loss and replacing cards.

2. Guidelines for reporting loss of credit card

1. Reporting loss at outlets

If the cardholder loses his credit card, he can apply for loss report at the nearby ICBC branch. Loss reporting applications can be made at any ICBC outlet, and there is no need to go to the card issuing outlet to report the loss. Applying for a loss report at an outlet is a formal loss report. If you need to cancel the loss report, please go to the Peony Card issuing department in the region where your credit card account is located to handle the relevant procedures.

2. Self-service loss reporting online

Self-service loss reporting means that you can temporarily report the loss of your online banking or telephone banking registered card, linked card or linked account to fully protect you financial security.

Extended information:

A credit card is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

The credit card stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on lt; the People's Republic of China and the Criminal Law of the People's Republic of China; and the relevant provisions on credit cards") refers to a credit card issued by a commercial bank or other financial institution. An electronic payment card issued by an institution with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.

Reference: Credit Card Baidu Encyclopedia