What to do if your credit card is lost?

1. Search. If your credit card is lost, first look for the place where you went before it was lost.

2. Report the loss. If you look for it and don’t find it, you should go to the bank or call the customer service computer to report the loss in time.

3. Reissue. If you still want to continue using your credit card, you can apply for a reissue.

4. If you no longer want to use your credit card, you can go to the business hall to cancel it after reporting the loss. Note that you need to pay off all the money owed on the credit card when canceling.

5. Warm reminder, do not keep multiple credit cards together for a long time.

What to do if a credit card is lost

When a user's credit card is lost, he or she must first report the loss.

At this time, users can report the loss of their lost credit card by calling the customer service hotline or using mobile banking to avoid theft. Under normal circumstances, most bank credit cards cannot be reissued immediately after the loss is reported. It will take about 7 days to go to the bank for reissue. At this time, the user can bring his or her ID card and cash (replacement card fees may be charged) to the bank's counter for reissue. When we fill in the information, submit it to the bank, and pay the card replacement fee, the entire replacement procedure is basically completed. It takes approximately two weeks from the time the bank accepts the card to the time it is mailed. After the user receives the reissued credit card, he can activate it through mobile banking or bank counter and then use it.

Notes:

1. Pay attention to the credit card repayment date. Since it takes a long time to reissue a credit card, users must pay attention to the credit card repayment date and do not forget to repay to avoid staining their credit report.

2. Report loss must be timely. Once users discover that their credit card is lost, they must report the loss as soon as possible to reduce the risk of their account being swiped.

1. Report the loss by phone

The cardholder should call the 24-hour customer service hotline of the credit card center of the issuing bank as soon as he learns that the credit card is lost, inform him of the fact that the credit card is lost, and apply for a credit card verbally Report loss and apply for a new card. Applying verbally to report the loss of a credit card can prevent credit card theft or reduce losses due to theft. Especially for credit cards that do not have a password set, the loss should be reported and frozen in time. Banks generally provide lost card protection services. The prerequisite for enjoying the lost card protection service is that the cardholder is required to report the loss in time. If the card is not reported lost in time, the bank will not bear the loss of the card. It can be seen that reporting the loss verbally on the phone is very important.

2. Determine whether the lost credit card has been stolen

If the credit card has been stolen, the cardholder needs to report the case to the public security agency, obtain a report certificate and stamp the official seal of the public security agency. Reporting a crime can be helpful in complaining to the bank about the identification and compensation of fraudulent transactions.

3. Formal loss reporting at bank outlets

Within a certain period of time after verbal loss reporting, the cardholder must bring his or her ID card to the credit card department of the bank to report the loss.

4. Apply for lost card protection compensation

If the credit card is stolen, the cardholder must prepare complete claim information after reporting the loss and mail it to the bank via EMS or registered mail. The insurance company or bank and credit card related department will make the insurance claim.

What to do if your credit card is lost

After a credit card is lost, you first need to report the loss first, and then choose whether to replace the card according to your needs. This is the specific process for reporting loss and card replacement:

1. Reporting credit card loss

You can directly call the bank customer service hotline and use the credit card loss self-service to report credit card loss. If the funds are lost after reporting the loss, the bank will bear the responsibility. In addition, it cannot be canceled after the loss report is successful, so please handle the loss report business with caution.

2. Credit card replacement

When reporting a loss, if you select "Report loss without replacing the card", it will be regarded as canceling the card, and the card that has been reported lost will not be able to be restored. If you need to use your credit card again, you must apply for a new card.

After selecting "Report lost card and replace card", the bank will produce a card and mail a new card to the customer as soon as possible. At the same time, the customer will be notified of the card production progress via SMS.

There are two ways to report the loss of a credit card and replace it, which require different information: to report a loss over the phone, you need to provide your ID number and name and other relevant information for verification; to report a loss at a bank counter, you need to provide the cardholder's ID card to report the loss.

Report loss by phone:

1. Report loss by customer service phone: Dial the customer service number on the back of your credit card, enter the loss reporting area, and submit a loss report request to the bank’s credit card customer service. The customer service will ask you to provide your ID number. and name for verification. Once the verification is passed, your credit card can be reported as lost.

2. Credit card loss reporting is a fee-based service (contact the bank customer service for specific fees). The fee for reporting loss is RMB 60 per card. If you need to apply for a new card after reporting the loss, you will need to pay an additional RMB 15 per card. Card reissue fee: The reissued credit card will be mailed to your billing address in about ten working days. If express delivery is required, a courier fee of 20 yuan will be required.

Warm Tips:

1. Do not apply for multiple credit cards frequently because of giving gifts or collecting card faces. Please apply for cards rationally according to your own situation and do not be too blind.

2. If you apply for multiple cards, cancel multiple credit cards, and then want to restore the credit cards, all records will be recorded in the credit information system of the People's Bank of China.

3. Canceling and applying for a card too frequently will only affect your personal credit. Please be careful when applying for or canceling a card.

Credit card is a non-cash transaction payment method. It is a small credit payment tool provided by banks to users who consume first and repay later. Credit cards can be divided into the following types of cards according to four dimensions. :

1. According to the different levels of the card, the types of credit cards can be divided into ordinary cards, gold cards, and platinum cards;

2. According to the different objects of card issuance, the types of credit cards can be divided into: Divided into corporate cards and personal cards;

3. According to the special functions of the card, the types of credit cards can be divided into various theme cards, student cards, shopping cards, women's cards, car cards, sports cards, etc. ;

4. According to the card shape, the types of credit cards include standard cards, mini cards, special-shaped cards and transparent cards;

5. According to the storage media, the types of credit cards can be Divided into magnetic stripe cards and chip cards;

6. According to the relationship between cards, the types of credit cards can be divided into main cards and supplementary cards;

7. According to the circulation scope of credit cards Different types of credit cards can be divided into international cards and regional cards;

8. According to the settlement currency, the types of credit cards can be divided into local currency cards and cards;

9. According to accounts In terms of settings, the types of credit cards can be divided into single-currency cards, dual-currency cards, and multi-currency cards;

10. According to brands, the types of credit cards include VISA, MasterCard, American AmericanExpress and ChinaUnionPay.

That’s it for the introduction of what to do if you lose your credit card.