Although it is not mandatory that the magnetic stripe card must be replaced by a chip card within a limited time, some cardholders intend to actively replace their magnetic stripe cards with chip cards for the sake of card safety. At present, except for some banks that offer free card replacement or preferential prices, most big banks generally charge fees for this business ranging from 10 yuan to 20 yuan.

In addition, what bothers cardholders most is that if the original card number is not retained after card replacement, isn't it troublesome to migrate the services originally bound on some cards?

Take ICBC, Agricultural Bank of China, Bank of China, China Construction Bank and Bank of Communications as examples. At present, most banks say that only some cards can have "conditional" security numbers. In addition, other customers can only choose to get a new chip card. Some related businesses on the old card can be automatically migrated, and some businesses need to re-sign an agreement and re-handle. "After replacing the new card, the online banking and mobile banking services will be automatically transferred to the new card the next day, and other related accounts and repayment agreements can also be automatically transferred. However, if it is a salary card, you need to explain the new card number to the unit finance and make changes. " A bank customer service staff said.

Special reminder

Remember to "report" the card number again for related businesses.

Why can some bank cards change their card numbers and others can't? In this regard, different bank staff have different opinions. There are generally two explanations. First, some cards are limited by the technical level, so it is impossible to change the same number between the magnetic stripe card and the chip card. Secondly, it involves the process and cost of card replacement.

"Business system problems, different brands of cards, some left open procedures for later modification when making cards, and some did not, which could not be realized." A staff member of the retail business department of Changchun Branch of a bank said. However, the staff of another bank gave a second statement. "Changing the card number involves making a separate card for each customer, which is completely different from the process of re-opening the card with' batch business card printing'. Comparatively speaking, the former is more expensive, the process is more complicated, and some banks have to wait for one month, especially banks without local business card printing centers, and they prefer to provide cards to customers in batches. " The staff member said frankly.

In view of the problem that many customers can't keep the card number during the card replacement process, bankers remind that if your card is used to link mortgage or credit card accounts, it is best to inform the loan and credit card departments as soon as possible and "report" the new card number to avoid overdue records caused by the failure to transfer money normally on the repayment date. In addition, if the original magnetic stripe card is bundled with utilities, wages and other services, it is also necessary to "report" the card number to the relevant departments again.