it doesn't matter if the credit card is not activated and lost

it matters.

even if the credit card is not activated, it will cause problems if it is lost directly. After all, the chip on the credit card contains the customer's personal information. Once it is picked up by criminals, personal information will be leaked, which will cause security risks. It is very likely that criminals will activate the card and steal it after obtaining the customer's information; It is also possible to use customer information to make small loans, and even engage in some illegal acts.

1. Especially, if the credit card is lost, it may be stolen by others. If an acquaintance commits a crime, it is possible to know some information about the cardholder, and it is also possible to activate the credit card without knowing it. Of course, you may have lost it yourself. If you are found by criminals, you can++credit card information to make a fake card, which can also be stolen.

2. Therefore, once the credit card is found lost, whether it is activated or not, what we need to do is to report the loss as soon as possible. Maybe some credit card friends don't know the credit++code, but it doesn't matter. When handling, use the reserved mobile phone number to directly call the customer service phone of the issuing bank and transfer the loss report to manual customer service. As long as you declare your ID number, you can find the lost credit.

3. After the loss of the credit card is reported, the payment will be stopped. Even if someone else gets the card and activates it, it can't be traded, so it is very safe. There are two ways to report the loss of a credit card: report the loss without replacing the card and report the loss without replacing the card. If you want to continue to use this card, please choose to report the loss of the replacement card and activate it after the new card. If you don't intend to use this card, choose to report the loss instead of replacing it. It's better to cancel that credit card. Finally, there is a charge for reporting the loss of credit cards. Even if you choose not to replace the card after reporting the loss, you should pay the loss reporting fee to the card before reporting the loss, and then you can report the loss until there is no debt in the card.

4. A credit card is a credit certificate issued by a commercial bank or a credit card company to a consumer with credit qualification. It is in the form of a card with name, expiration date,++and cardholder's name printed on the front and magnetic stripe and signature strip printed on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

The credit card stipulated in the relevant laws of our country (Interpretation of the NPC Standing Committee on the Provisions on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or some functions such as consumer payment, credit loan, transfer settlement, cash deposit and withdrawal. On December 1, 217, the Standard for English Translation and Writing in Public Service Field was officially implemented, stipulating that the English name of the CreditCard standard is Credit Card.

what if I lose my credit card before I open it?

you can report the loss first and then cancel the credit card.

the first thing to do after a card is lost is to report the loss of the card, especially if the card does not have a password, and the risk of stealing the card is particularly prominent. Therefore, it is suggested that the cardholder can remember the customer service phone number of the credit card center so as to report the loss of the card at the first time.

if the user reports the loss of a credit card, the bank will directly transmit the relevant information to the international credit card organization, and the card cannot be traded. If there is any risk, the bank will bear it. If the credit card is cancelled, the magnetic stripe of the card needs to be cut, and the bank will handle it properly.

If the credit card is lost but cancelled, although the card transaction can no longer be conducted, criminals may get the magnetic stripe information, and then++credit card will be stolen. And carry out some non-card transactions, such as online ticket purchase by plane and ship, and these risks need to be borne by customers themselves.

Extended information:

ICBC, Agricultural Bank of China, China Construction Bank and other bank staff also said that if a customer's credit card is lost, canceling the card cannot prevent the risk of being stolen. In addition, some customers may not be sure whether their credit cards are lost or temporarily lost, so it is necessary to take prompt measures at this time.

Bank of Communications has launched a temporary loss reporting service, specifically to help "sloppy" customers. There is no charge from the time of temporary loss reporting to 5 pm on the third day. If a credit card is found during this period, just call the customer service to cancel the loss reporting. China Merchants Bank can also protect the credit cards of such customers for 2 days.

People's Daily Online-How to report the loss of a credit card is more reliable. SMS reminder and card loss protection are both important.

People's Daily Online-It is better to report the loss of a lost credit card and then cancel it.

What should I do if the credit card is not activated and lost?

1. Go to the bank to reissue a new card, which may require some work fees.

2. Call the bank, and then cancel the lost credit card or apply for loss reporting, so as to prevent others from stealing it and causing losses.

3. If the credit card applied online is lost before it is activated, you need to call the bank credit card center to report the loss. After the loss is reported, the Bank of Communications will automatically void it and re-create the sending credit card. If it is no longer needed, call customer service and cancel directly.

credit card activation method

1. WeChat card opening: enter "card opening" on official WeChat.

2. Mobile card space: my account-audit and repayment-card opening;

3. SMS: KK+ the last four digits of the card+the last six digits of the ID number (the+number need not be entered) is sent to 169895558 to open the card;

4. customer service hotline: enter the main menu of self-service voice service and select 3 (activate card and set password) -1 (activate credit card);

5. official website: Official website of credit card-My account-Setting up with credit card-Opening card with credit card;

6. Manual: Call the customer service hotline at 488-95558 and select "Manual Service" to apply for card opening.

Tips: Some credit cards need to go to any outlet for identity confirmation, and they can be used after success. Please refer to the SMS reminder.

activating a credit card through a bank counter means applying for a credit card online. To apply for a credit card in this way, the applicant and the bank have never met before, so the cardholder needs to personally go to the bank with his ID card and credit card for face-to-face signing. The activation process can be done according to the requirements of the bank.

operating environment: apple 12, ios14, wechat version 8..13

browser computer: macbookpromos14 opens google version 92..4515.131

credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to qualified consumers. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special 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.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards with a certain credit limit within which the cardholder can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.

I lost my credit card when it was not activated. What should I do?

An inactive card is an invalid card. If it is lost, just reissue it. Call customer service and re-make the card.

The specific method is as follows:

Send a letter to the bank's electronic credit card center, informing that the credit card is lost;

when you go to a bank outlet to report the loss, the fee for reporting the loss of a credit card is about 5 yuan;

just wait for the credit card center to reissue the new card after reporting the loss;

the new card needs to be activated before it can be used.

Extended materials:

First of all, you need to pay higher rates and late fees. If the cardholder repays the loan in full before the repayment date, the loan will not generate interest. At present, all banks give the cardholder a three-day grace period. During this period, the cardholder will not incur additional expenses, nor will it affect the current repayment record and personal credit.

however, if the repayment cannot be made in full after the grace period, the cardholder can choose the "installment repayment" mode, and pay the minimum repayment amount first, and then pay the additional installment fee rate, and the specific rate varies according to the installment period. If the cardholder fails to repay in full and fails to handle the installment, a penalty will be incurred, and most banks will measure it at 5% of the unpaid minimum repayment amount.

at the same time, all consumption in the current period will be charged with interest one by one from the bookkeeping date, with a daily interest rate of five ten thousandths, equivalent to 18% of the annual interest rate.

secondly, your own credit record will leave a stain. Once the credit card is overdue, even if all the arrears are paid off, the bad behavior and bad information of the cardholder who once owed money will be exposed in the personal credit report of the Credit Information Center of the People's Bank of China within five years from the date of payment.

if it has been unable to repay, cardholders will also face various types of collection, and it is also frustrating to keep collecting. Therefore, as an ordinary cardholder, we must pay enough attention to the rational use of credit cards every day.

Resources:

Baidu Encyclopedia _ Credit Card

Let's stop here for the introduction of the lost credit card.