How to report the loss of a credit card?

You can report the loss of your credit card in online banking/mobile banking. You can also report the loss by calling customer service, dial 40066-95566/40066-95569 from within the country and 86-10-66085566/86-10-66086569 from outside the country.

Warm reminder:

1. Reporting the loss of a credit card in online banking/mobile banking is a formal loss report, not a temporary loss report. Once the loss is reported, it cannot be lifted.

If your credit card is later found and you cannot cancel the credit card that has been reported lost in online banking/mobile banking, you can call our bank’s credit card customer service at 40066-95566 for consultation.

2. The loss reporting fee incurred when reporting a loss will be directly deducted from your credit card. Please refer to our bank's credit card service charge price list for details of the fees incurred by reporting a loss.

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

What should I do if I report the loss of my credit card?

The main ways to report the loss of a bank card are as follows:

1. Go to the bank branch counter to handle the process. With your valid ID, go to the nearest bank branch counter and fill in the relevant application form as required. You can then report temporary loss or formal loss report.

2. Call the bank’s customer service hotline to report the loss. Call the bank’s customer service number and report the loss verbally. It can be handled through self-service voice or manual service. When reporting loss, we can also choose to report the loss temporarily. The period of temporary loss reporting is 7 days. If you still need to report the loss after more than 7 days, you need to go to the bank with your ID card to go through the formal loss reporting and replacement procedures before the verbal loss report expires. If the bank card has been found, wait until the verbal report of loss expires and the bank card can be used normally.

3. Report loss through mobile banking/online banking. Take China Merchants Bank (Android version: 9.5.1) as an example: log in to the China Merchants Bank mobile app, click "My" - "Bank Card", and click on the bank card that needs to be reported lost. If you want to report the loss of a credit card, click "More Functions" - "Report Card Loss"; if you want to report the loss of a debit card, click "One-Click Lock Card" - "One-Click Loss Report".

1. When reporting the loss of a bank card and then re-issuing it, the regulations of each bank are similar. It is divided into temporary loss reporting and long-term loss reporting. Temporary loss reporting lasts for 7 days. Long-term loss reporting will expire after formal loss reporting. Generally speaking, it takes 7 days to report a loss verbally or in writing. The official loss report in writing shall prevail. After the loss is officially reported in writing, the verbal loss report will automatically expire. If there is no written loss report, the account that is frozen after the validity period will be automatically released, and the loss can be reported verbally continuously.

2. How the bank cancels the loss report: If the user reports the loss temporarily, the loss report will be automatically canceled after 7 days. If the user reports the loss permanently, the user needs to bring their ID card and bank card to the bank counter to cancel the report. After the loss report of a bank card is released, bank card, electronic banking and other functions will be restored immediately. Please note that the loss report cannot be released on behalf of others. After a bank card is lost, you should go to the bank to report the loss as soon as possible to prevent criminals from using illegal means to obtain funds and causing their own economic and property losses.

How to report the loss of a credit card

After a credit card is lost, you should report the loss as soon as possible to avoid being stolen by others. So, how to report the loss of a credit card? Let’s take a look at it below.

After losing your credit card, you can immediately call the credit card customer service number to report the loss. If you don't remember it, you can provide your ID number to verify your identity.

If you cannot verify your personal information when reporting the loss through the credit card customer service phone, you can ask the customer service staff to freeze the credit card first, and then go to a bank branch to formally report the loss with a valid ID.

Once the credit card is reported as lost, it will take effect immediately. Even if the card is recovered later, it cannot be restored, and the new card reissued after the loss is reported will be different, so if it is reimbursed by that kind of unit, the loss will be reported. You must understand this clearly at this time.

Reporting the loss of a credit card generally requires a loss reporting fee. Different banks charge different fees, and some card types are exempt from the loss reporting fee. Please refer to the bank notification for details.

This ends the introduction on how to report the loss of a credit card and the impact of reporting the loss of a credit card. I wonder if you have found the information you need?