If the cardholder can't go to the credit card department in time, he can call to report the loss orally, but he must report the loss formally at the bank's business outlet within 72 hours, otherwise the loss will be automatically released after 24 hours, which belongs to oral loss reporting.
If the cardholder loses his credit card, he can apply for reporting the loss at a nearby bank outlet. Any peer network can apply for loss reporting, and you don't have to go to the card issuing network to report the loss. The application for loss reporting by outlets is a formal loss reporting.