You must reissue your credit card in time after you lose it. The first thing to do is to call the customer service of the bank and choose manual service to report the loss of the credit card. But it's not official. After calling to report the loss, you should go to the bank counter in time to formally report the loss and bring your personal ID card. If you lose your ID card, bring your household registration book or something that can prove your identity. If you choose to replace the card, you have to pay a certain fee for replacement.
I. Credit card replacement process:
The first step is to report the loss. When a credit card is lost, the user should first report the loss to the bank, and this time should be controlled within 24 hours. Of course, there are many ways to report the loss, such as mobile banking, customer service hotline, bank counter and so on.
The second step is to reissue it. Of course, it is more appropriate for users to use the counter to handle this link, and they can also ask the bank staff about the credit card during the processing. In addition to the counter, users can also reissue their credit cards by phone. In this way, they can directly access the manual service and tell the telephone staff to prepare to reissue the credit card.
The third step is to mail the new card. The bank will reissue a new card according to the user's request and mail it. When a new card is received, the user can reactivate it.
Repayment after reporting the loss of the credit card: if the user does not receive a new card on the repayment date. Pay off the old card first. If a new card has been successfully reissued before the repayment date, the cardholder can consult the bank's customer service and ask about the new card, and repay the new card without getting the card; If you have got a new card, you will repay it according to the general credit card repayment method.
I. Credit card processing flow:
1. First, you need to choose a bank. The angle of choice can be based on whether there are its business outlets nearby, annual fees, credit card discounts, handling fees and so on.
2. After confirming the bank, you go to its business outlets to get the credit card application form or download the application form online. After carefully and truthfully filling out the application form, you need to prepare the following materials: ID card and photocopy, work certificate and photocopy, as well as some real estate license, deposit certificate, education certificate and other materials that can add points for your review. After that, you can hand it in or mail it to the bank you apply for.
3. Next, wait patiently for the review process. Because credit card review is generally strict, it takes about 15 days for commercial banks and about one month for state-owned banks to give a reply. Has it been approved? What is the credit limit?
After receiving the reply, if it is successful, you just need to wait patiently for the credit card to be mailed to you. If you don't succeed, you can prepare enough information and try again in another bank.
What should I do after losing my credit card? What security measures are there?
If China Merchants Bank's credit card is accidentally lost, the public need not panic. Users who have lost their credit cards have done a lot of security protection, including manual card locking, card loss protection, peace of mind and so on.
1. After the credit card of China Merchants Bank is bound to WeChat, you can receive every transaction reminder in real time. Once stolen, you can find it immediately, and students with supplementary cards can also receive transaction reminders.
2. Convenience of China Merchants Bank client: Once the stolen brush is found, you can immediately open the one-button lock card of the handheld life app without making a phone call. And once the card is retrieved, it can be unlocked immediately.
3. The card of China Merchants Bank must be signed in person, and it will not be processed without personal signature.
4. Add something unrelated to safety: 16 credit card tips are the gospel of all kinds of obsessive-compulsive disorder patients.
The bank provides 24-hour and 7-hour telephone customer service, which is very convenient, but sometimes the line is busy manually, which is quite troublesome if there is an emergency. However, Xiao Zhao provides Internet services, and QQ and WeChat "China Merchants Bank Credit Card" can all enter into manual services to solve problems. Computers and mobile phones are very convenient.
6. In case of stolen brush, Xiao Zhao will provide card loss protection, and you can apply to China Merchants Bank for compensation for the loss of stolen brush within 48 hours before reporting the loss.
7. Of course, there is also the "Anxinbao" service that specifically compensates for stolen brushes. Anxinbao charges 5 yuan/month.
How to report the loss and reissue the credit card of China Merchants Bank?
China Merchants Bank's credit card loss reporting replacement process is as follows:
If your credit card of China Merchants Bank is accidentally lost, please dial the credit card number of China Merchants Bank: 400-820-5555, select "Report the loss of credit card" and make a request for reporting the loss to the customer service of China Merchants Bank. Customer service will ask you to provide your ID number and name for verification. You can report the loss of your credit card after verification. Re-registration procedures can also be completed through the hotline.
In addition, it should be noted that the loss reporting of China Merchants Bank's bank credit cards is a charging business, and the charging standard for loss reporting is RMB 60 yuan/card. If you need to reissue a new card after reporting the loss, you need to pay an additional fee of 65438 yuan +05 yuan/card. The reissued credit card will be mailed to your billing address in about ten working days. If express delivery is needed, you need to pay the courier fee in 20 yuan.
What if China Merchants Bank loses its credit card?
If the credit card of China Merchants Bank is lost or information is leaked, it is recommended to report the loss in order to ensure the security of your account. If it is not reported in time, there are great risks, such as: passing, CVV2, and the validity period, and overseas online payment can be operated. You can log in to online banking or mobile banking, enter "Card Management-Credit Card Loss Reporting" to easily complete the loss reporting operation or call our customer service hotline -2 #. 60 yuan is charged for each card, and Platinum card is free. At present, our bank has launched "Anxinbao" to provide you with all-round card security services, and 5 yuan every month. On the basis of providing you with a credit card theft protection of up to 50,000 yuan within 72 hours before reporting the loss (covering all transaction types), you can also enjoy the "loss reporting fee free" service, so that you can really use your card without worry!
How to reissue the lost credit card of China Merchants Bank?
1. If the cardholder of China Merchants Bank reports the loss of his credit card, please call the credit card customer service hotline 4008205555 and select "2#" to transfer it to the customer service specialist. If the credit card is lost, stolen or occupied by others, the risk of theft of the cardholder after reporting the loss shall be borne by the bank, and the non-password consumption within 48 hours before reporting the loss shall enjoy the protection of card loss according to the prescribed rules. If the card is not reported in time, the risk will be borne by the customer.
2. 60 yuan/card for loss reporting. Once the loss of a credit card is reported, it will take effect immediately and be irrevocable (VISAMINI size cards can be reported separately or at the same time, with a charge of 60 yuan/time).
3. After the loss is reported, the new card and the three digits on the back of the card will change, but the account information will remain unchanged, and the card type is the same as the original card, and all of them can receive repayment.
4. If the card is reported lost within half a year after its expiration, the validity of the new card will be automatically extended for 5 years after the loss is reported.
5. It takes 2 working days to make a new card after the loss is reported, and it can be sent by Fengda free express (about 1 week) or EMS express (about 48 hours). The loss reporting fee and courier fee are included in the next bill.
How to report the loss of China Merchants Bank credit card?
If your credit card of China Merchants Bank is accidentally lost or stolen by others, you must report the loss and reissue it in time to effectively prevent the credit card from being stolen. But after reporting the loss, everyone must repay the loan on time. Let's take a look at some ways to report the loss.
First, China Merchants Bank credit card loss reporting method
There are many ways to report the loss of China Merchants Bank credit card. You can do it through the Pocket Life app, online banking, mobile banking, telephone and other channels, as follows:
1, Pocket Life APP: After logging in, click "Card? Pay → Card Manager, enter the card details page, and click lightning to change the card to easily complete the loss reporting operation.
2. Online banking: login the credit card to online banking, and click "Card Management → Credit Card Loss Reporting" to easily complete the loss reporting operation.
3. Mobile banking: log in to mobile banking and enter "Card Management → Card Loss Reporting" to easily complete the loss reporting operation.
4. Customer Service Phone: You can call the customer service hotline at 400-820-5555 with the reserved mobile phone number, and press 2# to report the loss.
Reminder:
The loss reporting of China Merchants Bank's bank credit card belongs to the charging business, and the charging standard for loss reporting is RMB 60 yuan/card. If you need to reissue a new card after reporting the loss, you need to pay an additional fee of 65438 yuan +05 yuan/card. The reissued credit card will be mailed to your billing address in about ten working days. If express delivery is needed, you need to pay the courier fee in 20 yuan.
In addition, the new card and the three-digit number (CVV2) on the back of the card will change after the loss is reported.
2. How to repay the credit card of China Merchants Bank after reporting the loss?
After the loss report of China Merchants Bank's credit card, the original debt will not be temporarily stopped because of the loss report of your credit card. Repayment is still required before the end of the final repayment date, otherwise it will be considered overdue.
Some card friends said that they had never received a new card after reporting the loss of the credit card and did not know how to repay it. This is actually very simple. All you have to do is return the original.
If you can't remember clearly, you can call China Merchants Bank's credit card customer service phone to collect it, or you can go to the counter to repay it.
In addition, personal online banking and third-party payment can be used for credit card loss reporting and repayment. These electronic methods do not require credit cards and can be operated through accounts.
Let's stop here for the introduction of what to do if China Merchants Bank loses its credit card.