Can I reissue a lost credit card?

Can I reissue a lost credit card? 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.

When applying for credit card reissue at the bank counter, you need to show your ID card, and most banks charge a fee for credit card reissue, so you should prepare the corresponding documents and cash before reissue. After you get the new card, you can activate it and use it. During activation, the credit card query password and transaction password need to be reset. The transaction information of the old card will also be inherited. The billing date and repayment date of the credit card will not change. After activation, the old card will become invalid.

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Losing your credit card is very common. If you apply to report the loss immediately, you may not cause much loss. If you lose your credit card, don’t panic, do two things.

On the one hand, we must find the whereabouts of the credit card in time and try our best to find the original credit card.

On the other hand, we must be prepared for the worst. If the credit card is really lost and cannot be found, we must not let it go. After all, credit cards and ID cards are linked. Once lost, not only is it troublesome to report a lost card, but there is also a serious risk of theft. If you fall into the hands of those who want your information and do illegal things, you will be in more trouble!

The process for reporting a loss is as follows:

When it is confirmed that the credit card is lost , call the bank customer service in a timely manner to apply for temporary loss reporting (temporary loss reporting can be applied directly to the credit card at the time of reporting loss) to prevent others from stealing money. This is also the fastest way.

In addition, there is a loss reporting fee for credit card reporting, and some banks cannot cancel the loss reporting application. These fees are implemented according to the regulations of each bank.

You can report a loss through the following three methods:

1. Report loss by phone

Call the bank customer service hotline directly and follow the voice prompts to verify your personal identity. Credit card options are available for reporting losses.

2. Report loss through online banking

Enter the bank's official website, log in to personal online banking, find the credit card loss report page, fill in the information according to the prompts, and then submit the loss report.

3. Report the loss at the bank counter

Bring your valid ID card to the bank branch to report the loss on your credit card.

The bank has a "lost card protection" service, which protects the credit card 48 hours before the loss is reported. If your credit card is stolen within 48 hours before the loss is reported, all losses will be covered. It is jointly borne by you and the bank. However, this service is useless for many cardholders whose credit cards have been stolen. Because after their credit card is stolen, they have no way to prove that it was not their authorization, and in the end they can only admit that they are unlucky.

However, after this year’s new regulations go online, card-issuing banks need to provide certain compensation for theft through commercial insurance and risk compensation funds; they can no longer use the phrase “the user cannot prove that the card was stolen” It can be said that this policy has greatly protected the rights and interests of cardholders.

I lost my credit card, what should I do if I want to replace it?

1. Once you find that your credit card is lost, you must immediately call the customer service of the card-issuing bank and report the loss or temporarily freeze it through its voice or manual customer service. This is mainly to prevent someone from using it. credit card for fraudulent use.

2. Generally, within three days of reporting a loss over the phone, you should go to the bank to formally report the loss. Why can't you go directly to the bank to report the loss? Because under normal circumstances, banks cannot provide immediate replacement services for loss reports.

When you go to the bank to formally report a loss, you need to bring your ID card, go to the bank in person, fill in the loss report application form at the bank, and pay a loss report fee. If you are lucky enough to find a credit card after reporting the loss, you can cancel the loss report, but the loss reporting fee already paid is generally non-refundable.

If it is inconvenient to do it yourself, you can also ask someone else to do it for you, but you need to write a power of attorney yourself.

Of course, there are also banks that can complete loss reporting and reissue directly over the phone without you having to go to the bank in person.

3. After passing the review, it will take about 10 to 15 days to make a new card and send it out. Once a new card is received and activated, the old card will become invalid regardless of loss or damage.

Extended information:

It will take about two weeks to replace a lost credit card. To reissue, first report the loss and then reissue. The process of reporting the loss and reissue can be completed immediately by making a phone call. Call the customer service number of the relevant bank, press the 0 key or other service keys, and go to the worker service to report the loss and reissue the business.

After the reissue is confirmed, it will take about two weeks to receive the new card. After re-issuing, it will take about half a month from card printing to sending the card.

The bank that sends the card uses ordinary postal mail to send the card. The speed is relatively slow and the area is not too far away. It can be received within a week. In remote areas, it will take about a little more than a week, such as Xinjiang and other places.

Things to note after re-issuing a credit card:

1. After re-issuing a credit card, the current credit card will be different from the previous one, so transactions related to the previously lost credit card will be If it is transferred, it must be transferred, and if it needs to be modified, it must be modified. This must be handled well.

2. After applying for a new credit card, you must properly protect your reissued credit card.

3. When using credit cards, you must consume rationally and according to your actual situation. Do not swipe cards blindly and cherish your credit.