Can I still use my credit card if it is half cracked?
Hello! If the magnetic strip is not damaged, it will not affect use. If necessary, please call 4008205555 to manually handle the damaged card replacement service.
If you still have questions, it is recommended that you use the credit card intelligent service platform to solve credit card problems anytime and anywhere. Click here to view details
Can a bank card still be used if it is cracked in half?
If the degree of cracking damages the black magnetic strip or IC chip, it cannot be used and needs to be replaced with a new one. of bank cards.
When you go to the bank to apply for a new bank card, you need to cancel the card first and then apply for it, because now an ID card can only have one first-level card in one bank. After the bank card is degaussed and replaced, the functions of the new card will be the same as the original card; the funds of the original card will be automatically transferred to the new card after the new card is applied for; if the bank card is used for bank financing, account migration is required.
Bank cards refer to credit payment instruments issued to the public by approved commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposits and withdrawals, etc.
Bank cards reduce the circulation of cash and checks, allowing banking business to break through the limitations of time and space and undergo fundamental changes. The application of the bank card automatic settlement system has made the dream of a "checkless, cashless society" a reality.
Bank card application and loss report
Application for bank card
The process of applying for a credit card and a debit card is different.
When applying for a credit card, you need to bring your valid documents (ID card or copy of ID card or household registration book or copy of household registration book), proof of residence, proof of unit income or proof of personal assets and other materials to the card issuer. To apply, you need to fill in the application form, and the information filled in must be true.
After filling out the application form, it must be filed with the head office of the account opening bank. After the head office of the account opening bank reviews the application materials, it will take about 20 working days before the card can be issued to the customer. Credit cards are only available to customers who are 18 years of age or older. Minors are not allowed to apply for credit cards.
Applying for a debit card is relatively simple. You only need to bring your valid documents (ID card or household registration book) and fill out the application form at the bank where the account is opened. The card can be issued to the applicant at that time.
There is no age limit for debit card application, and minors can also apply. When customers under the age of 16 apply for a debit card, their guardian must hold the account book (if they are not in the same account book, relevant certificates must be provided) to the bank branch counter to apply, and the person being processed does not need to be present;
Minors who are over 16 years old but under 18 years old, if they are already working, can go to the bank counter with their work certificate and ID card to apply for a debit card on their own. If they are not working, they still need the assistance of their guardians. , the person being processed does not need to be present; the person handling the card who is 18 years old or above can directly go to the counter of a bank branch or a self-service card application machine with his or her ID card to apply for a debit card, and get it immediately.
According to national regulations, debit cards issued by minors do not have the function of online banking and cannot be bound to mobile payment software.
Report the loss of a bank card
The procedures for reporting the loss of a bank card are not exactly the same among major banks. If you lose your bank card, you can first use the phone or online banking to temporarily report the loss, and then bring your ID card and other proof. Report the loss of materials at the bank counter.
The credit card was cracked. Does it cost money to apply for a replacement card?
It costs money to replace a credit card. Different banks have different fees. Please refer to the picture below:
What to do if the credit card is damaged
If your credit card can no longer be used due to damage, breakage, blurred signature, degaussing of the magnetic strip, name change or wrong embossed characters on the card, etc., please call the 24-hour customer service hotline of the Credit Card Center in person to apply for a new card. If you hold a chip card and there is still an offline balance in the card, please take your card to a bank counter or bank withdrawal machine to perform balance transfer or withdrawal operations. At the same time, please destroy the damaged card after receiving the new card to avoid confusion and risks.
Supplement:
If the card expires, the bank will provide an automatic card replacement service one month in advance, and the new card will be mailed to your statement before the expiration of your card. After you receive the address, you can activate the new card and use it, while the old card will become invalid.
If the new card has not been received or the new card has not been activated, the old card can be used until the end of the validity period.
What to do if your credit card is broken
If your China Merchants Bank credit card is damaged, the signature is blurred, the magnetic strip is degaussed and cannot be used, you can use the following method to replace the damaged card:
Mobile Banking: After you log in to mobile banking, click "My - All" to find "Card Management - Card Destruction" under "Credit Card", click this menu and follow the prompts.
Online Bank: After logging into online banking, click "Card Management - Damaged Card Reissue"
Warm Tips
1. The CVV2 will change after the card is replaced.
2. The damaged new card is the same as the old card, and the card types are the same (except for the UnionPay magnetic stripe card, which will be replaced by the UnionPay IC card).
3. There is no need to reset the inquiry password and transaction password after the card is damaged. .
4. After applying for compensation, the old card can continue to be used. Once the new card is opened, the old card will become invalid immediately. It is recommended that you cut off the old card and destroy it to avoid confusion.
Industrial and commercial. How to replace a cracked bank credit card?
Replacement of a damaged card: When the card can no longer be used due to damage, breakage, degaussing of the magnetic strip or incorrect signature, you can apply for a new card; apply for a replacement Please call CCB’s 24-hour service hotline. A reissue fee of 20 yuan per card will be required to reissue a new card; please be sure to destroy the old card yourself to avoid unnecessary losses.
The credit card is cracked. Let’s stop talking about the introduction.