How long does it take to reissue the lost credit card of Bank of Communications

It takes 7 working days to reissue the lost credit card of Bank of Communications successfully.

According to the regulations of Bank of Communications, the replacement of lost credit cards needs to follow the following procedures:

1. Show your ID card and verify the information of UnionPay cards;

2. report the loss of unionpay card and keep the report loss certificate;

3. Generally, it takes 7 days to apply for a new bank card after waiting for the bank's notice;

4. Apply for a replacement bank card and show the report of loss;

5. The staff at the counter shall go through the formalities of card replacement;

note: loss reporting requires loss reporting fees, and the replacement can only be made at the account opening bank.

you must report the loss of your credit card in time, which can reduce the risk of credit card being stolen and minimize the property loss of the cardholder. Bank of Communications provides 72-hour card loss protection service for credit card customers, which can guarantee the loss of funds within 72 hours before the official loss report.

1. Loss reporting and replacement of the credit card of Bank of Communications

You can report the loss of the credit card through telephone banking, online banking, mobile banking and the credit card customer service hotline. Once the loss of the credit card cannot be recovered, the old card will not be used. If you need a replacement card, you can handle it through the credit card customer service hotline.

Second, the method of loss reporting and replacement of credit cards in Bank of Communications

Loss reporting method

Loss reporting in telephone banking: dial the credit card customer service hotline 4-8-9888 or 95559→ press 1# (credit card loss reporting);

online banking loss reporting: log in to online banking → credit card → credit card management → credit card loss reporting.

report the loss of mobile banking: log in to mobile banking → credit card → report the loss of credit card → select.

card replacement method

card replacement: at present, you can only apply for credit card replacement through the credit card customer service hotline.

3. Handling fee for loss reporting and card replacement of Bank of Communications

Handling fee for loss reporting:

At present, the activated cards are charged with handling fee for loss reporting, while the inactive cards are exempted from handling fee for loss reporting.

the charging standard of domestic loss reporting fee: RMB 5 yuan for each card (loss reporting for official cards is free);

the charging standard of overseas emergency loss reporting fee: RMB 5 yuan for each card (Platinum Credit Card is free of charge for overseas emergency loss reporting).

Card replacement fee:

The fee for the replacement of a new card in China is RMB 15 yuan per card, and RMB 35 yuan will be charged for expedited processing (the replacement of a new platinum credit card is free).

fees for overseas emergency card replacement: VISA card is $175 per card, MasterCard card is $148 per card, and gold and platinum credit cards are free.

iv. Effective time of loss reporting and replacement of Bank of Communications credit card

The loss reporting and replacement of credit card will take effect immediately, and the new card will be sent by registered mail according to the mailing address registered by the cardholder in Bank of Communications, usually within 3 days, and the new card will be received in about 1 days, and it will also need to be activated before it can be used!

How to activate the replacement card after the loss of the credit card of Bank of Communications

If the credit card of Bank of Communications is lost, it needs to be replaced, and the bank will mail the replacement card to your billing address. However, what I want to tell you here is that you must activate your credit card before you can use it. Then, how to activate the card that has been reissued after reporting the loss? Let's take a look at it together.

as far as we know, if the credit card is accidentally lost or stolen, in order to prevent the credit card from being stolen, the cardholder can immediately call the customer service hotline of Bank of Communications at 4-8-9888 to report the loss, and then call the customer service hotline for replacement.

However, the loss reporting of the Bank of Communications credit card is not free. Once it is reported, the loss reporting fee in 5 yuan will be deducted immediately. After completing the card replacement procedures, Bank of Communications will reissue a new card for the cardholder on the next working day and send it by registered mail. After getting a new card, you can activate the card in the following three ways:

First, the counter of the bank outlet is activated, and you need to bring your ID card and credit card when handling it;

second, if you open a card through online banking, you can also set the transaction and withdrawal password of the credit card together if you have an online silver shield;

thirdly, the self-service activation of calling voice will require some personal information to ensure that the cardholder himself receives the card. If the information input is incorrect, it will be switched to manual activation.

If you don't know whether the new card has been successfully activated, you can do the following:

1. You can call the credit card center of the issuing bank and ask the staff whether it has been activated;

2. directly use the credit card to swipe the card on the store POS machine. If it is not activated, it cannot be consumed;

3. Check your personal credit information on the central bank system. The credit card and loan records of the inquirer are recorded in detail. If the credit card is not opened, it will also show that it is not activated.

what should I do if the Bank of Communications credit card expires?

According to the current information, you can apply for reissue or cancellation at the Bank of Communications counter when the Bank of Communications credit card expires, but you should pay attention to the fact that there is no debt for cancellation, otherwise your personal credit information may be affected.

credit card cancellation process:

1. Call the bank's customer service phone to apply for cancellation of the credit card. Note that at this time, the bank customer service will generally retain you. If you decide to cancel the card, don't listen to him "fool" and insist on canceling it.

2. There will be a 3 -45-day settlement period from the telephone application for cancellation to the official cancellation. Never use credit card again during this period.

3. 4 days after cancellation, call the customer service of the bank to confirm whether the cancellation is successful, so as to avoid leaving a bad record for yourself because of the unsuccessful cancellation for special reasons.

4. Don't throw away the cancelled credit card anywhere. Cut the magnetic stripe before throwing it away, so as to avoid being picked up by criminals and causing losses to yourself.

before canceling the credit card, be sure to ensure that there is no balance, no debt or extra deposit in the credit card. Because once the credit card has a balance, it cannot be cancelled.

four precautions for account cancellation and card cancellation of credit cards

first, before applying for account cancellation and account cancellation, make sure that the points in your credit card have been redeemed to avoid wasting points. Because credit card points are consumer rewards for users by the issuing bank, you can exchange the corresponding items at the issuing bank. All the points in the card will be cleared after account cancellation and card cancellation, so the points must be redeemed before account cancellation and card cancellation to avoid unnecessary losses.

second, credit card cancellation must not use credit cards during the period of account settlement. Because there will be a 45-day "settlement period" before the credit card account is officially effective, if you try to use the credit card again during this period, it will lead to the failure of account cancellation. So if you are not sure whether the account cancellation is successful, you can contact the issuing bank to ask. Of course, if the user goes back on his word before the account cancellation officially takes effect, he can also contact the issuing bank to re-enable the function if he wants to withdraw the application for account cancellation.

thirdly, it is necessary to be cautious to cancel the account and card after the credit card expires. If the credit card is overdue, you can apply for account cancellation or card cancellation immediately after handling the arrears, but you can still leave your own overdue record in the credit report of the issuing bank. And the overdue record of this credit card will remain in your personal credit report for 5 years. So what are we going to do? The correct way is to continue to use this credit card after full repayment, and gradually cover the overdue bad records with good records. In two years, this overdue record will no longer affect your personal credit information.

fourthly, if the credit card only sells the card, but does not close the account, it will not be able to enjoy the treatment of new users. Many banks stipulate that credit cards can enjoy the treatment of new users again when they apply for a new credit card after 6 to 12 months of successful account cancellation. However, if you only cancel your card without canceling your account, you are an old customer at the issuing bank, so you will not be treated as a new user when you apply for a new credit card again.

This concludes the introduction of how to reissue the Bank of Communications credit card and how much to reissue the Bank of Communications credit card. Did you find the information you need?