How to repay a lost credit card

After a credit card is lost, the cardholder will be in a cardless state for a period of time. How to repay when you don’t have a card, especially when you can’t remember the credit card? First, if it is convenient, you can go to the branch of the card-issuing bank to handle credit card repayment; secondly, if you have personal online banking, you can log in to personal online banking and repay directly . In addition, commonly used third-party payment tools can still be used for repayment. If you have had the experience of repaying with a third-party payment tool before, it is usually bound to a credit card, and you do not need to enter the credit card when making repayments. , just make repayment directly according to the prompts of the third-party payment tool.

Lost your credit card and can’t pay it back? Don’t forget to do this

If you lose your credit card, you cannot insert it into the ATM machine to repay. Usually you have to transfer the money to the corresponding repayment, and it will be more troublesome if you don’t know the credit card. , although it is possible to repay the loan, the process will be more complicated. Let’s take a look today.

Lost your credit card and can’t pay it back?

If you have lost your credit card, you have to find a way to find it before you can repay it. If the card letter is still there when you sent the card, you can open it and have a look. Otherwise, call customer service and ask them to verify your identity. Will be informed later. Or bring your valid ID card mobile phone number that you reserved when applying for the card, and go to any branch of the card-issuing bank and ask the staff to help check it.

Once you know it, just transfer the money and repay it. It is recommended to choose a channel that is free of handling fees and can receive the money in real time, such as the mobile banking of various banks and the UnionPay Cloud QuickPass APP. Remember to The repayment is received before the final repayment date. If there is a grace period, it cannot exceed the grace period.

By the way, it is risky to lose your credit card. After all, many banks now issue quick pass credit cards. The small-amount double-free function is enabled by default. You can skip it if the single transaction amount does not exceed 1,000 yuan. Pay via password. Therefore, for the safety of the funds in the card, once you find that your credit card is lost, you must report the loss as soon as possible and replace the card.

Reporting the loss of a credit card will involve a loss reporting fee. Except for platinum cards and high-end cards, which are free of charge, other ordinary cards are basically 50 yuan per card. In addition, there are also some special craft cards that require card printing fees. These fees are directly deducted from the credit card and included in the minimum payment amount of the current period's bill, which also has to be repaid.

The above is the relevant introduction to "I lost my credit card and failed to repay it". I hope it will be helpful to everyone.

How can I repay the loan if I only have a credit card but no debit card?

When filling out the application form, you can select "Automatic Repayment" in the "Repayment Information" column, and provide the current savings, all-in-one account, and debit of Bank of China in your name card, a Great Wall credit card issued by the head office or a debit card from another bank in your name. Or apply for automatic repayment through credit card WeChat official account, Colorful Life APP, online banking, mobile banking, counter, customer service hotline and other channels.

The above content is for your reference, please refer to actual business regulations.

I lost my credit card and don’t know how to repay it

Repayment: Call the customer service number of the bank to which the credit card belongs. After providing your ID number, you can check the credit card and repayment amount and make repayment.

Any credit card has a billing date and a repayment date. But many people only remember the payment date, but what really matters is the bill date. Billing date: This is when the bank gives you a detailed bill based on the amount of your consumption last month, referred to as the billing day.

Definition of statement date and repayment date:

The credit card repayment date of most banks is 20 days after the statement date. For example, your credit card bill date is the 19th, which means that February 20th to March 19th is a billing cycle. If the repayment date is 20 days after the bill date, the repayment date of this cycle is April 8th. If you make a purchase on March 6, it is also within the billing cycle from February 20 to March 19, and the repayment date is April 8. If you consume on the first day of each billing cycle, the interest-free period is the longest, which is 50 days. For example, if you consume on February 20, the repayment date is April 8.

For example: The monthly credit card statement date is the 19th, and the due payment is on the 7th. If the card is swiped on the 6th, does it have to be repaid on the 7th? When will the card be swiped on this date? Money lasts the longest.

1. Your bill date is: the 19th of each month, which is the day when the bill is issued, which means that your consumption information between the 20th of each month and the 19th of the following month will be on the 19th The bill details will be issued to you on this day, showing the amount you need to repay;

2. Your repayment date is: the 7th of each month, which is the last day for your repayment, which means that you have incurred The bill must be paid in full before the 7th, or the minimum payment must be made, otherwise it will be overdue and affect your credit;

How long can it last

If you want to use the money for a long time: consume it around the 20th, and you can repay it before the 7th of the next month. The longest period is 50 days.

For example: The bill for May 20th has come out. If you spend 5,000 yuan on May 21st, then your bill on June 7th will show a debt of 5,000 yuan, which must be paid on July 7th. Make full or minimum payments.

So we can conclude: May 21st-July 7th, this is your money usage cycle, nearly 50 days apart.

That’s it for the introduction of credit card repayment without a card.