How to replace a lost credit card

If a credit card is lost, it is recommended to call customer service immediately to report the loss or freeze the account to protect the safety of your credit card funds. After reporting the loss by phone, within three days Go to the bank to formally report the loss. If the cardholder confirms that the original credit card cannot be found, he or she can apply to the card-issuing bank for a new card.

1. Verbal loss report

If the cardholder is too late to go to the bank card department to handle the loss, he can make a phone call to report the loss, but he must go to a China Construction Bank branch within 72 hours to make a formal loss report. , otherwise the loss report will be automatically released after 24 hours.

2. Report loss at an outlet

If a cardholder loses his or her bank card, he or she can apply for a loss report at a nearby China Construction Bank branch. Loss reporting applications can be made at any CCB branch, and there is no need to go to the card issuing branch to report the loss. Applying for a loss report at an outlet is a formal loss report. The formal procedure for reporting a loss is that the cardholder must fill in a loss report application form, submit his/her identity document for verification, and pay a loss report fee and a loss report replacement fee. All financial responsibilities incurred by the card before reporting the loss and within 24 hours after reporting the loss shall be borne by the cardholder. If the cardholder finds the bank card after reporting the loss, he can cancel the loss report item. Fill out the application form for canceling the loss report. After canceling the loss report, the original loss report handling fee and the card loss report replacement fee will not be refunded.

Notes

Replace the card when it expires: The Dragon Card (Dual Currency) bank card is valid for 3 years and will become invalid upon expiration. China Construction Bank will proactively send you a new card one month before your card expires for your convenience. If you do not want to continue using the card after it expires, please call the China Construction Bank 24-hour service hotline one month before the card expires.

Replace the card in advance: If your card is about to expire within 3 months, and you need to change the card in advance due to special reasons such as going abroad, please call the 24-hour service hotline to apply and destroy the original card yourself. . CCB will handle card replacement in advance and send you a new card.

Damaged card replacement: When your card can no longer be used due to damage, breakage, degaussing of the magnetic strip or incorrect signature, etc., you can apply for a new card; to apply for a reissue, please call CCB’s 24-hour service Hotline, you will need to pay a reissue fee of 20 yuan per card to reissue a new card; please be sure to destroy the old card yourself to avoid unnecessary losses.

Guidelines for emergency card replacement overseas: If your card is lost or stolen while traveling abroad, please call our customer service hotline to report the card loss. We will immediately go through the loss reporting procedures for you, and the loss report will take effect immediately. [img]

How to reissue a credit card

How to reissue a credit card:

1. To reissue a credit card, you must first report the loss of the credit card.

2. It usually takes five working days to report the loss of a credit card. If you choose to mail it, it will take 7 working days (excluding Saturday and Sunday).

Note: If you choose to pick it up, it will take 7 working days. Get ID card and other supporting documents.

Extended information

CreditCard, also called credit card. It is a non-cash transaction payment method and a simple credit service. There is no need to pay cash when using a credit card, and repayment will be made on the billing date (BillingDate). Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; a quasi-credit card refers to a credit card in which the cardholder can A quasi-credit card that deposits a certain amount of reserve fund and can be overdrafted within the specified credit limit when the reserve account balance is insufficient for payment. The so-called credit card generally refers to a credit card only.

How to reissue a lost credit card

The first thing to do after a lost credit card is to report the loss and then apply for a new credit card. Renewing a credit card can be done directly at the bank counter or by calling the credit card customer service hotline. When applying for a replacement card, you need to pay a certain card production fee and express fee. Different banks charge different amounts.

If a credit card is lost and replaced, it usually takes about 10 days to get a new card. After receiving the new card, it needs to be activated before it can be used, and the transaction password and query password need to be reset. After the new card is activated, it will inherit the transaction records of the original card. Under normal circumstances, the billing date and repayment date will not change, and it can be used normally. That's it.

During the process of applying for a new card, users must not forget to repay the credit card. Although the credit card is reported lost, it is still possible to deposit money into it.

If the user forgets to repay the card during the card replacement process, the credit card will become overdue. However, the bank will remind you when it is overdue, so just pay it back in time.

Credit cards must be kept properly in normal times. If they are lost accidentally, the possibility of being stolen is very high. Moreover, you do not need a password to make purchases on foreign websites. You only need the validity period of the credit card and the information on the back of the card. You can conduct transactions with the security code, which everyone should pay attention to.

Can a lost credit card be reissued?

1. Can a lost credit card be reissued?

1. A lost credit card can be reissued. You need to report the loss before re-issuing a credit card. You can re-issue the card only after reporting the loss. Generally, you can get the card within 10 working days. After the credit card is lost, the cardholder can apply for a replacement credit card through the bank's counter or customer service hotline.

2. Legal basis: Article 39 of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks"

The card-issuing bank shall establish a credit card marketing management system and conduct systematic training and registration of marketing personnel For assessment and standardized management, marketing personnel shall not be assessed solely based on the number of cards issued and piece-rate commission. Credit card marketing activities should meet the following conditions:

(1) Marketing materials are true and accurate, and must not contain false or misleading statements or major omissions, and must not contain exaggerated or one-sided publicity. Expenses that should be borne by cardholders must be open and transparent. Risk warnings should be printed in obvious and easy-to-understand words in promotional materials and product (service) application materials. The description of the warning content should be true, clear, sufficient, and exemplary. Cases should be representative.

(2) Marketing personnel must wear the logo of their bank, clearly indicate their card-issuing bank and customer complaint hotline, use uniformly printed promotional materials for credit card products (services), and clarify credit card charging items and interest calculation policies. Conduct sufficient information disclosure and risk warnings on business risks, etc., confirm that there are no traces of alteration in the important certification materials submitted by the applicant, confirm that the applicant has known and understood the above information, confirm that the applicant has signed the application materials, and retained relevant evidence. Misleading and deceptive promotional interpretations are not allowed. When customers have any questions about the authenticity and reliability of promotional materials, relevant information inquiry channels should be provided.

(3) Marketing personnel should publicly and clearly inform the application materials and basic requirements that need to be submitted to apply for a credit card, urge credit card applicants to fill in the application materials completely, correctly and truly, and review the identity documents (original) and necessary supporting documents (original). Marketers are not allowed to promise customers the issuance of cards, and are not allowed to market credit cards in the name of quick card issuance, card application, business card application, etc.

(4) Marketers shall strictly abide by the principle of keeping customer information confidential, shall not disclose customer information, and shall not subcontract or subcontract credit card marketing work. The card-issuing bank should strictly prohibit marketing personnel from engaging in credit card marketing activities outside the bank, and make clear system regulations on the time interval and confidentiality measures for marketing personnel to receive applicant information and submit it for review. In cases where applicant information is used to cross-sell other products and services.

(5) When marketing personnel conduct telemarketing, in addition to complying with the relevant provisions of Articles (1) to (4), they must retain clear recording materials. The recording materials should be kept for at least 2 years for future reference.

2. What is the process for re-issuing a lost credit card?

The process for re-issuing a lost credit card is as follows:

1. The cardholder brings his/her ID card to the counter of the card-issuing bank and requests The staff will check the information of the lost credit card, then fill in the name, address, contact information and other information, and submit the card replacement application. It will take about 2 to 3 working days to produce the card. After the card is successfully produced, it will be sent to the cardholder;

2. The cardholder calls the customer service number of the card-issuing bank and provides the lost credit card, personal ID number and other information. The bank will send the card in about 3 working days.

That’s it for the introduction of how to replace a lost credit card.