Of course, the customer must first ensure that there is no outstanding bill arrears or excessive overpayment in the card, otherwise it will not succeed. In this regard, customers need to quickly pay off the bill arrears through personal online banking or mobile banking and credit card APP, transfer the overpaid part to other debit cards, and then apply for account cancellation.
If too many bills can't be returned in a short time, the customer can contact the issuing bank to report the loss first, so that the card will be frozen, and even if it is found by others, the other party can't steal it.
If you want to continue to use the card, you can apply for a loss report and reissue it. Customers can also temporarily report the loss first, look for a card at home and work, and when they find it, they can directly apply for cancellation and report the loss, and then continue to use this card.
What should I do after losing my credit card:
1. Report the loss in time:
When the cardholder finds that the credit card is lost, he should call the customer service phone of the credit card center of the issuing bank in time, and transfer to manual service according to the voice prompt, and then apply to the staff for reporting the loss, and provide the card number and ID number. The staff can temporarily report the loss of the credit card account after verifying their identity.
2. Go to the counter to change the card:
After the loss is reported successfully, if the cardholder still can't find the credit card, he can bring his ID card to the counter of the branch of the issuing bank's business hall, apply to the staff for a replacement card, fill out the application form for a replacement card, and indicate the reason for the replacement card as accidental loss. After the staff review, the card can be successfully replaced.
Credit card is a credit certificate issued by a commercial bank or credit card company to eligible consumers.
The form of credit card is a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.
Another way of saying credit card is that credit card is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm and a thickness of 65,438+0 mm, which are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders do not need to pay cash when using credit cards, and make repayment on the checkout date. Except for some credit cards combined with financial cards, credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct money from users' accounts. 20 12 February, the bank confirmed that the credit card is safer without password, and if it is stolen, it will share the responsibility with the bank. Enjoy an interest-free period of 25-56 days (or 20-50 days). Credit card consumption enjoys an interest-free period, and the bill amount is paid off before the due repayment date, without any cost. There is no interest-free repayment period for cash withdrawal, and five ten thousandths of daily interest will be charged from the date of cash withdrawal, and the bank will also charge a certain percentage of cash withdrawal fee.