It is understood that many credit card users do not know what the danger is after they report the loss of their credit cards. It is believed that there is still a loss report after the credit card is lost, and the loss report fee of the credit card is also a big fee, so some cardholders don't care after the credit card is lost.
It is reported that the loss reporting fee for credit cards is generally 40-60 yuan, and the highest is 85 yuan. After the loss is reported, the risk is borne by the bank, and the cardholder does not have to worry about the card being stolen. After the credit card account is paid off, you can apply for cancellation of the card and then apply for a new card. There is no charge for canceling and applying for a new card.
However, the bank staff introduced that the normal account cancellation procedure requires the customer to cut the magnetic stripe of the card to ensure the safety of the account funds. After the cardholder's credit card is lost, it cannot be destroyed by itself. And a cancelled complete credit card can no longer be used in shopping malls, supermarkets and other places, but it can still be used in some special places. For example, in authorized outlets such as ships and airplanes, credit cards can be spent offline, and only the card number, CVV code and card validity period are required, which means that the cancelled complete credit card may also be successful, which brings risks to the original cardholder's account funds.
In case you lose your credit card, don't panic, and plan for two things.
On the one hand, it is necessary to find the whereabouts of the credit card in time and find the original credit card as much as possible; On the other hand, we must prepare for the worst. If the credit card is really lost and can't be found, you must not let it go.
If you don't want to report the loss because it is too expensive, you can choose to cancel this credit card directly, or report the loss temporarily first, and then apply for another credit card of the bank. After the new card is approved, you can permanently cancel the credit card that reported the loss, which is generally not lower than the previous one. This can not only avoid risks, but also continue to use the bank's credit card.
However, it is worth reminding everyone that it is best to spend the points before canceling the credit card to avoid waste. In addition, it depends on whether you have participated in other activities to avoid being deducted by the bank.
When logging off, you should also pay attention to the following three considerations:
Pay off all debts in time.
This debt includes bill debt and annual fee. If there is still arrears in the card, forget it and cancel the card directly. After the interest is accrued, the amount reaches a certain amount, and the bank begins to "collect debts"!
Confirm whether to close the account after 45 days.
Credit card cancellation is usually handled through customer service, but it was not successful at that time. When the card is cancelled, the account will enter the pre-cancellation state, and it will take 45 working days to know whether the account has been cancelled successfully. Poke here specifically: Credit card account cancellation ≠ successful account cancellation.
Cut the magnetic stripe when you insert the card.
If the card is complete, it may be used in some consumer places that only need the card number and do not need to check the information. The best way is to cut the magnetic stripe into pieces and throw it into different garbage dumps, which can effectively prevent future troubles!
What are the risks of credit cards?
Cardholder's risk:
First, the cardholder maliciously overdraws.
Second, the cardholder lied that he had not received the goods.
The third is to report the loss first, and then use a large number of loss reporting cards in a very short time.
The fourth is to use credit card overdraft to issue usury.
Risks from merchants:
One is illegal employee fraud. In reality, employees can access the customer's card information and even leave the customer's sight with the card. Employees who violate the rules will use customers' credit cards to spend money, and will withhold invoices generated by illegal use, causing losses to customers.
The second is illegal business fraud. Illegal merchants guide consumers to log on to their own websites through domain names or emails similar to well-known stores. It is difficult for consumers to identify the authenticity of Internet merchants, and it is easy to submit payment information. The owner of the franchise store forged the customer's purchase invoice himself, and then asked the bank for money with the fake invoice.