If you have special problems during use, you can call the credit card center to request temporary control. In this way, you will not be able to use the card to make purchases or withdraw cash, but you can repay the card.

Now, Bank of Communications, China Construction Bank, Everbright, China CITIC Bank, etc. can provide temporary account control. This temporary control is free of charge. During this period, if the card is recovered, the cardholder can immediately Remove controls and the card will return to normal use.

However, China Merchants Bank, Shanghai Pudong Development Bank, etc. do not have this service, and cardholders can only apply for a formal loss report. Once the credit card of most banks is reported as lost, it cannot be applied for cancellation. Even if the cardholder recovers the credit card, he can only apply for a new card.

Only a few banks can apply to cancel the credit card after reporting the loss before applying for a replacement card.

Cardholders need to be reminded that CCB’s temporary account control has no time limit, while Bank of Communications and CITIC Bank have a time limit. If the cardholder does not lift the control within the specified time, then The card will be officially reported as lost and a handling fee will be charged.

However, even if the cardholder applies for temporary credit card control, he still has to bear certain risks.

Banks are currently only committed to locking out cash withdrawals at domestic shopping malls and counters for temporarily controlled credit cards; however, the losses that may arise from online transactions, telephone transactions, and overseas transactions are still borne by the cardholders themselves.