In order to ensure the safety of the funds in the card after the loss of the credit card is reported, the first thing to do is to report the loss, so that the bank will compensate the loss of the stolen credit card during the loss reporting period. And many people want to know whether the loss of credit cards is free? Let's have a look.
1. Is it free to report the loss of credit cards?
Except the top high-end cards of individual banks provide free loss reporting service, other ordinary credit cards are charged for loss reporting. The loss reporting fee is 20-60 yuan, and the charging standard of each bank is different, so is the loss reporting fee. In addition, if you need to reissue the card after reporting the loss, you have to pay the card replacement fee again. The loss reporting fee is around 50 yuan, depending on the issuing bank.
The above two expenses are directly deducted from the credit card limit. After the report of loss and replacement of the card is successful, it will be included in the current bill. Remember to pay back on time.
2. Why can't a credit card report the loss for free?
This is mainly because many banks provide credit card loss reporting protection service, and you can enjoy this service by paying the loss reporting fee. If the credit card is stolen during the loss reporting period, the bank will compensate for the loss.
However, not all credit cards can be compensated by paying the loss reporting fee, and the compensation amount is not 100%. Even the transaction form of stolen credit cards will affect compensation, mainly based on the detailed rules for the protection of lost cards.
To sum up, credit card loss reporting is not free, so everyone should pay attention to it. If you don't want to pay the loss reporting fee and replacement fee, and don't want to continue using your credit card, I suggest you settle your credit card debt and take the initiative to find a bank to cancel it. Then re-apply for a credit card to continue to use, but it is still unknown whether the card can be approved.
Is there a handling fee for reporting the loss of credit cards? how much is it?
Now many young people love shopping, so many people have multiple credit cards. But if there are too many credit cards, it will be difficult to manage and easy to lose. If you lose them, you need to report the loss and reissue them. So is there a handling fee for reporting the loss of credit cards? How much will it cost? I will answer your question today.
There is a procedure fee for reporting the loss of credit cards, so friends who lose their credit cards to report the loss should remember to bring enough cash in addition to their ID cards.
Generally speaking, different banks have different procedures for reporting the loss of credit cards. The following is an inventory of the procedures required for reporting the loss of credit cards in five banks.
I. Industrial and Commercial Bank of China
ICBC's credit card loss reporting fee is 20 yuan, and the replacement fee is1RMB from 5 yuan to 500 yuan. The cost of replacement varies according to the type of card. Generally, the chip card is about 20-40 yuan.
Second, China Merchants Bank.
China Merchants Bank's credit card loss reporting fee is 60 yuan, and the card replacement fee is 15 yuan.
Third, Bank of Communications.
Bank of Communications credit card loss reporting fee 50 yuan, card replacement fee 15 yuan.
Four. China construction bank
The loss reporting fee of CCB's credit card is 50 yuan, and the replacement fee is 20 yuan.
Verb (abbreviation of verb) China Everbright Bank
50 yuan handling fee is required to report the loss of the credit card of China Everbright Bank, and the replacement of the credit card of China Everbright Bank is free.
The above is a summary of the expenses for reporting the loss of credit cards of five banks. Friends who need to report the loss of their credit cards can bring enough cash according to the charging standard of the bank to which their credit cards belong. Also, if they are in urgent need of a credit card, they can choose to speed up the delivery, but the accelerated delivery requires an extra courier fee from 20 yuan.
Inventory the credit card replacement rules of various banks (handling fee, production cost, card loss protection)
Credit cards are widely used and gradually become a necessity in our lives. However, in the process of use, an accident will inevitably occur, leading to the loss of credit cards. At this time, we need to report the loss to the bank for a replacement card. Today, let's introduce the handling fee, cost and card loss protection of credit cards in various banks.
1, Bank of China
Cost: Report the loss of 40 yuan; The fee for replacing the lost card is 15 yuan.
Lost card protection: the protection time is 72 hours before the loss is reported, which is limited to platinum cards, excluding network, telephone and ATM transactions. The maximum guaranteed amount of the Supreme Edition is 20,000 yuan, and the maximum guaranteed amount of the Elite Edition is 1 10,000 yuan.
2. Agricultural Bank of China
Fees: Gold card, Puka 50 yuan, Platinum card and official card are exempt from loss reporting fees; The fee for reporting the loss and replacing the card can be waived.
Lost card protection: the protection time is 72 hours before the loss is reported, only for platinum cards, with a maximum of 50,000 yuan.
3. Industrial and Commercial Bank of China
Fees: Peony Platinum Card is free, Peony Special Card 10 yuan, others are in 20 yuan; The fee for reporting the loss and replacing the card can be waived.
Lost card protection: the protection time is 48 hours before the loss is reported, and it is limited to peony cards issued in Shenzhen and Shanghai, with a maximum of 5,000 yuan for ordinary cards and 0/1,000 yuan for gold cards/kloc.
4. China Construction Bank
Cost: Report the loss of 50 yuan; The fee for reporting the loss and replacing the card can be waived.
Lost card protection: the protection time limit is 72 hours before the loss is reported, and it is limited to overseas stolen cards, excluding off-site transactions such as internet and telephone. Ordinary card up to 5000 yuan, gold card up to 1000 yuan, platinum card up to 20000 yuan.
5. Bank of Communications
Charge: If you report the loss of 50 yuan, the official card can be exempted; The fee for reporting the loss and replacing the card can be waived.
Lost card protection: the protection time limit is 48 hours before the loss is reported, excluding network, telephone and ATM transactions, and the total amount is as high as 654.38+10,000 yuan, with a maximum payment of 20,000 yuan each time.
6. China Merchants Bank
Cost: Report the loss of 60 yuan; The fee for reporting the loss and replacing the card can be waived.
Lost card protection: the protection time limit is 48 hours before the loss is reported, excluding network, telephone and ATM transactions. The maximum limit of ordinary card is 1 0,000 yuan, the maximum limit of gold card is10.5 million yuan, and the maximum limit of platinum card is credit limit.
7. China CITIC Bank
Cost: Report the loss of 60 yuan; The fee for reporting the loss and replacing the card can be waived.
Card loss protection: the protection time is 48 hours before the loss is reported, and the card security function must be turned on. Ordinary card up to 5000 yuan, gold card up to 20000 yuan, platinum card up to 50000 yuan.
8. Shanghai Pudong Development Bank
Fees: No handling fee for loss reporting, and no replacement fee for WOW series cards and Singapore Travel Gold Card in 60 yuan.
Lost card protection: the protection time limit is 48 hours before the loss is reported, excluding password transaction, online transaction, email shopping and electronic cash transaction, with a maximum of 6,543,800 yuan.
Here, I take stock of the credit card replacement rules of these banks, mainly including the replacement fee and the amount and requirements of lost card protection, hoping to help you.
How much does it cost to report the loss of a credit card in China Bank?
The loss reporting fee will be charged for the loss reporting of activated cards, and the loss reporting of inactive cards is free. The loss reporting fee is 40 yuan RMB per card (some special cards are free).
The above contents are for your reference. Please refer to the actual business regulations.
Is there a charge for credit card replacement?
There is a charge for the replacement of lost credit cards. There are costs and labor costs for banks to handle cards, so the charge is reasonable.
When your credit card cannot be used due to damage, breakage, illegible or altered handwriting, demagnetization of magnetic stripe, etc., you can call the credit card customer service hotline of the bank where the credit card is located, and then follow the voice prompts. Generally, the card replacement fee is between 40-60, and all banks are similar. The loss reporting fees of different credit cards of Bank of Communications are different, and individual gold cards are slightly more expensive.
What if I don't want to pay the loss report fee?
Some card friends said, isn't it a loss report card? This fee is too high, I just don't want to report the loss. If you don't want to pay the loss report fee, you can do it. Of course, this is also a prerequisite.
If your credit card has not been stolen or confirmed lost, but you can't find it at the moment, you can choose to temporarily freeze the card if you don't want to report the loss. So your credit card function can be suspended.
However, this service has a time limit. Most banks temporarily freeze their cards for 24 hours. If you find the card within this time period, you can call customer service to unfreeze it. But if you don't call the customer service within 24 hours, or you can't find it, then the temporary freeze is designed for the official loss reporting status, and you still have to pay the loss reporting fee.
Reminder: At present, many banks have opened the function of temporary freezing or temporary loss reporting. However, different banks have different time limits for temporary freezing, so cardholders need to pay attention.
This is the end of the introduction of credit card replacement fee and loss reporting replacement fee. I wonder if you have found the information you need?