However, if the bank staff gives you a new bank card number after the loss of the bank card is reported, you need to unbind the previous bank card account number and rebind the new bank card account number before you can reuse it.
There are three main reasons for the failure of bank cards:
First, the current bank cards are all chip cards, which will wear out the chips in daily use. If worn to a certain extent, the chip will lose its ability to use, leading to the failure of the bank card.
Second, sometimes the bank card will be lost because it cannot be found in time. During the loss reporting period, the bank will automatically cancel the use of the bank card, so the bank card will be invalid during the loss reporting period.
Third, the service life expires. Some bank cards will have an effective service life after they are issued. If the service period is exceeded, the bank card will be invalid and must be replaced with a new card.
There are two kinds of bank cards: savings card and credit card. How to recover after failure:
I. Savings card:
If it fails due to long-term non-use, you can use this card to resume trading;
If the card is invalid due to damage, you need to bring your ID card to the bank outlet to reissue a new card, and the bank will transfer the balance in your invalid card to a new card.
Second, the credit card:
If the card is invalid due to overdue, you need to pay off the arrears first, and then call the bank credit card customer service to apply for restoring the credit card;
If the failure is because the bank suspects cashing out, you need to provide proof that it is not cashing out, otherwise it will be difficult to recover; 3. If the card is damaged and invalid, you need to call the bank credit card customer service to apply for card replacement, or go to the outlet to apply for card replacement.
What if the bank card expires?
Savings cards are divided into magnetic stripe cards and chip cards. The magnetic stripe card is valid for a long time (as long as the card is not eliminated, it can be used all the time). Both chip cards and credit cards have expiration dates. After the chip card and credit card expire, the bank will replace them for users, and the business and funds of the original credit card will be transferred to the new card.
Savings card (debit card) is a card that can access cash, transfer and remittance, credit card consumption, collection and payment, asset management and other businesses. It has no credit line, that is, withdrawal, transfer and consumption all need its own funds, while credit cards have credit lines and can be consumed in advance.