1. Debit card:
1. If it becomes invalid due to long-term non-use, it can be restored by making a transaction with this card;
2 . If the card becomes invalid due to damage, you need to bring your ID card to a bank branch to apply for a new card. The bank will transfer the balance in the invalid card to the new card.
2. Credit card:
1. If the card expires due to overdue, you need to pay off the balance first, and then call the bank’s credit card customer service to apply for reinstatement of the credit card;
2. If the card is invalid due to the bank's suspicion of cashing out, you need to provide proof that it is not cashing out, otherwise it will be difficult to recover;
3. If the card is damaged and becomes invalid, you need to call the bank's credit card customer service to apply for a replacement. card, or go to an outlet to apply for a replacement card.
Extended information
The advantages of credit cards are as follows:
1. You can make overdraft purchases without depositing, and you can enjoy an interest-free period of 20-56 days. No interest will be charged for on-time repayment (most banks will charge an interest of 50,000 cents on the day of cash withdrawal, as well as a handling fee of RMB 2,000. Industrial and Commercial Bank of China will waive the handling fee for cash withdrawal and only charge interest).
2. Swiping your card when shopping is not only safe and convenient, but also provides points for gifts.
3. You can enjoy discounts when using the card at the bank's designated merchants.
4. It is accessible nationwide and you can withdraw money or make purchases by credit card at ATMs and POS machines with the UnionPay logo.
5. Spend by swiping your card, collect existing points with some credit cards, and enjoy various discounts and lucky draws throughout the year, allowing you to always be surprised just by using your card.
6. The unique supplementary card function is suitable for couples to manage finances at the same time, or to control the financial expenditures of their children.
7. The free choice of one card and dual currencies is available all over the world. Overseas consumption can be repaid in domestic RMB.
8. The 400 number or the 5-digit short number starting with 9 provides 24-hour service. Loss reports are effective immediately, and there is zero risk of losing the card.
9. Use third-party platforms for business cooperation and provide preferential services to cardholders.
Baidu Encyclopedia--Credit Card
Baidu Encyclopedia--Bank Card