If you lose your credit card, the safest way is to report the loss first and then replace the card. However, there is a fee for reporting the loss. Many friends are not willing to pay this money and plan to replace the card directly. So, if the credit card is not reported as lost, can I directly apply for a replacement? Today I will give a brief introduction. Friends in need can come and take a look.

Can I reissue my credit card without reporting it as lost? Credit cards that have not been reported as lost can be directly replaced, but you must choose the correct replacement card type. Usually credit card replacement is divided into loss report card replacement, damaged/demagnetized card replacement. If you do not report the loss and directly replace the card, you must choose damaged or demagnetized card replacement. The card replacement method is very simple. You can directly call the card bank to ask for card replacement, and the customer service will help. Everyone handles it. Replacement of the card without reporting the loss can save the loss reporting fee, but some banks also charge card replacement fees. For example, China Merchants Bank’s credit cards charge a damage replacement fee of 15 yuan per card, while high-end credit cards charge no fee. Also, there is a difference between the new card received if the card is replaced without reporting the loss and the new card received if the card is replaced after reporting the loss. The card number, security code, and validity period of the new card will change if the card is replaced without reporting the loss. The number of the new card received if the card is replaced without reporting the loss will remain unchanged, but The security code and expiration date will change. One thing to note is that if a credit card is reported lost and replaced, many banks can provide lost card protection services. Any losses caused by theft during a certain period of time before the loss is reported will be compensated by the bank, depending on the type of consumption. If you do not report the loss, you can directly replace the card. , if the loss after being stolen or swiped cannot be recovered, only the cardholder shall be responsible for it. The above is the relevant introduction to "Can I reissue a credit card without reporting it as lost?", I hope it will be helpful to everyone. In short, you can directly replace a credit card without reporting the loss. However, compared with replacing the card after reporting the loss, there is a great risk in replacing the card without reporting the loss, so everyone should consider carefully which method of card replacement is better.