Can I reissue a lost credit card?

It can be reissued. You can reissue it through the following methods:

1. Call the unified national customer service hotline of the bank where the credit card is located, and freeze the credit card through the independent voice platform or transfer to the manual service desk.

2. Bring your personal ID card to the bank counter to handle credit card loss reporting and replacement procedures, and fill in relevant forms and personal application information forms in accordance with the requirements of bank staff.

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the specified credit limit. The so-called credit card generally refers to a credit card only.

Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).

On May 25, 2021, the Supreme People’s Court issued and implemented the “Regulations of the Supreme People’s Court on Several Issues Concerning the Trial of Bank Card Civil Cases.”

How to replace a lost credit card

If a credit card is lost, it is recommended to call customer service immediately to report the loss or freeze the account to protect the safety of your credit card funds. After reporting the loss by phone, within three days Go to the bank to formally report the loss. If the cardholder confirms that the original credit card cannot be found, he or she can apply to the card-issuing bank for a new card.

1. Verbal loss report

If the cardholder is too late to go to the bank card department to handle the loss, he can make a phone call to report the loss, but he must go to a China Construction Bank branch within 72 hours to make a formal loss report. , otherwise the loss report will be automatically released after 24 hours.

2. Report loss at an outlet

If a cardholder loses his or her bank card, he or she can apply for a loss report at a nearby China Construction Bank branch. Loss reporting applications can be made at any CCB branch, and there is no need to go to the card issuing branch to report the loss. Applying for a loss report at an outlet is a formal loss report. The formal procedure for reporting a loss is that the cardholder must fill out a loss report application form, submit his/her identity document for verification, and pay a loss report fee and a lost card replacement fee. All financial responsibilities incurred by the card before reporting the loss and within 24 hours after reporting the loss shall be borne by the cardholder. If the cardholder finds the bank card after reporting the loss, he can cancel the loss report item. Fill out the application form for canceling the loss report. After canceling the loss report, the original loss report handling fee and the card loss report replacement fee will not be refunded.

Notes

Replace the card when it expires: The Dragon Card (Dual Currency) bank card is valid for 3 years and will become invalid upon expiration. China Construction Bank will proactively send you a new card one month before your card expires for your convenience. If you do not want to continue using the card after it expires, please call the China Construction Bank 24-hour service hotline one month before the card expires.

Replace the card in advance: If your card is about to expire within 3 months, and you need to change the card in advance due to special reasons such as going abroad, please call the 24-hour service hotline to apply and destroy the original card yourself. . CCB will handle card replacement in advance and send you a new card.

Damaged card replacement: When your card can no longer be used due to damage, breakage, degaussing of the magnetic strip or incorrect signature, etc., you can apply for a new card; to apply for a reissue, please call CCB’s 24-hour service Hotline, a reissue fee of 20 yuan per card will be required to reissue a new card; please be sure to destroy the old card yourself to avoid unnecessary losses.

Guidelines for emergency card replacement overseas: If your card is lost or stolen while traveling abroad, please call our customer service hotline to report the card loss. We will handle the loss reporting procedures for you immediately, and the loss report will take effect immediately.

How to replace a lost Agricultural Bank of China credit card

Hello! If your credit card is lost, you can report the loss through the following channels:

1. Palm Bank: Please log in to the Palm Bank APP, click "Homepage → Credit Card → Card Manager → Report Loss and Replace Card", and select For the credit card you want to report lost, enter your mobile phone number and verification code, click "Next", and the loss report is successful.

2. Online banking: Please log in to personal online banking, click "Credit Card → Settings → Report Loss and Replace Card" to handle the process of reporting loss and replacement of credit card.

3. WeChat: Please follow the "Agricultural Bank of China Credit Card" WeChat official account. After binding the credit card, you can enter "manual" to transfer to Kaka's teacher to handle the card protection business for you.

4. Customer service hotline: Please call our bank’s 24-hour credit card center customer service hotline 4006695599 (for areas where 400 is not available, please call 02161195599, for overseas please call 86-21-61195599) to report the loss.

5. Counter: The card owner is required to bring his/her identity document to an Agricultural Bank of China outlet to handle the card loss and replacement business.

Warm reminder:

1. Once the loss report is processed, it will take effect immediately and cannot be revoked.

2. To report a loss, you need to pay a loss reporting fee of 50 yuan from your account (free for platinum cards and other special cards). Our bank will bear the economic losses caused by fraudulent use of the card after your loss report takes effect, and will The new card will be mailed to you promptly.

3. After reporting the loss, our bank will replace your card with a new one for free, and the new card will be sent to you by registered mail. If you want to get a new card as quickly as possible, you can apply for EMS Express and courier services require an emergency handling fee of 20 yuan each time from your account (free for special cards such as platinum cards).

If your credit card is lost, you can do the following:

1. Card protection: Our bank can temporarily add card protection for you. The temporary freeze is valid for 7 days. The freeze will be automatically unfrozen.

2. Reduce the limit: In addition to card protection, you can also choose to reduce the limit of your card. There will still be certain risks in card protection and limit reduction, and you still need to bear the risk yourself before reporting the loss. In order to ensure the safety of your funds, if the card is confirmed to be lost, please report the loss immediately.

3. Loss report: You can report the loss through our bank's personal mobile banking APP, "Agricultural Bank of China Credit Card" WeChat official account, personal online banking, customer service hotline 4006695599, counter and other channels.

(Answer time: September 15, 2022. In case of business changes, please refer to the actual situation.)

What should I do if I lose my credit card and 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 approval, 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 whether lost or damaged.

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.