How to return to normal after reporting the loss of a credit card

Bank card loss reporting is generally divided into telephone loss reporting and counter loss reporting. After reporting by these two methods, the recovery methods are also different:

1. Report the loss by phone. After the user reports the loss of the bank card over the phone, as long as the user does not apply for a new card within 3-5 days, the loss report will be automatically lifted, and then the new card previously reported as lost can naturally be reused;

2. Go to the counter to report the loss. If the user reports the loss at the counter, he or she can cancel the loss report at the counter again before re-issuing a new card.

Extended information:

Bank cards refer to approved credit payment instruments issued to the society by commercial banks (including postal financial institutions), with consumer credit, transfer settlement, and cash deposits and withdrawals All or part of the functions.

Bank cards reduce the circulation of cash and checks, allowing banking business to break through the limitations of time and space, resulting in fundamental changes. With the application of the bank card automatic settlement system, the dream of a "checkless, cashless society" has become a reality.

Bank card application and loss reporting

Applying for a bank card

The procedures for applying for a credit card and a debit card are different.

When applying for a credit card, you need to bring your valid documents (ID card or copy of ID card or household registration book or copy of household registration book), proof of residence, proof of unit income or proof of personal assets, etc. , apply to the card issuer, and you need to fill out an application form in which the requested information is true.

After filling out the application form, you need to go to the head office of the bank where you opened your account to register. After the head office of the bank where the account is opened has reviewed the application materials, it will take approximately 20 working days to issue the card to the customer. Credit cards can only be applied for by customers over the age of 18, and minors are not allowed to apply for credit cards.

Applying for a debit card is relatively simple. You only need to bring your valid ID card or account book and fill out the application form at the bank where you open your account, and the card will be issued to the applicant.

There is no age limit for applying for a debit card, and minors can also apply. When a customer under the age of 16 applies for a debit card, the guardian should go to the bank branch counter with the account book (if they are not in the same account book, relevant certificates should be provided), and the person being processed does not need to be present;

Full Minors who are 16 years old and under 18 years old, if they are already working, can go to the bank counter to apply for a debit card by themselves with their work certificate and ID card. Those who do not participate in work still need the assistance of their guardians, and the person being processed may not be present. If you are over 18 years old, you can directly go to the counter of a bank branch or a self-service card application machine with your ID card to apply for a debit card, and you can get it immediately.

According to national regulations, debit cards issued by minors do not have online banking functions and cannot be bound to mobile payment software.

Lost bank card

The loss reporting procedures of major banks are not exactly the same. If it is lost, you can temporarily report the loss by phone or online banking, and then report the loss at the bank counter with your ID card and other supporting documents.

Can the temporary loss report of Bank of China credit card be lifted?

Lifting the temporary loss report of Bank of China credit card:

After the card is recovered, you can apply to lift the temporary loss report and resume using the card. You can apply through Bank of China mobile banking, "Bank of China Credit Card" WeChat official account, Colorful Life APP, personal online banking or call the Bank of China Credit Card customer service hotline 4006695566.

The above content is for your reference, please refer to actual business regulations.

How to cancel a credit card after reporting it as lost

Question 1: After reporting a credit card as lost, do I still need to go to the bank to cancel it? After reporting the loss of a credit card, you need to replace it. If you no longer need it, you need to cancel the account. If you ignore it, there will be a loss report fee, which will affect your credit report if it is rolled over.

Question 2: Can you cancel your credit card directly after it is lost? If your credit card is lost and you cancel it directly without reporting the loss, there are still risks. The bank does this for your safety.

If you are willing to take the risk of thousands of dollars in order to save 100 yuan, you can call them again and tell them to cancel and don't mention the lost card.

But for your sake, I still suggest you report the loss as soon as possible.

Question 3: Once a credit card is lost, should you cancel it directly or report the loss first and then cancel it? After a credit card is lost, you should report the loss immediately. If you want to cancel the credit card, call the customer service number.

Bank credit card account cancellation process:

1. Call the bank credit card service hotline, and the customer service staff will inform the customer of the credit card status;

2. Apply for processing 45 days after the account is closed, if the customer's credit card has no outstanding balance, the bank's customer service staff will close the credit card account;

3. If the credit card still has outstanding balances and needs to be repaid, it can be canceled;

4. If there is still a balance left, you can return it to a bank branch.

Question 4: How to cancel a credit card loss report Hello! To cancel the loss report, please call the credit card customer service center and tell them that your card has been found. They will ask you some questions and some information about you.

Question 5: After the credit card is reported as lost, the new card will be replaced. Is the card automatically canceled? Do further steps need to be taken? After a credit card is lost, you can immediately call the 24-hour customer service hotline and report the loss independently through the emergency loss reporting function of the automatic voice system with your valid ID number and telephone inquiry password. You can also transfer to manual service, which will report the loss of your card and issue a new card for you as soon as possible to avoid you suffering losses.

Question 6: If your credit card is lost, can you cancel it directly without reporting the loss? Yes, you can cancel it directly, but you must pay off the balance before you can cancel it.

Question 7: When will a credit card be automatically canceled when reported as a loss? Oh my God, how can you report a loss if your ID card has been changed? There is a charge for reporting a credit card loss. Reporting a loss will not automatically cancel the card. Why didn’t you just cancel it in the first place? Woolen cloth? After reporting the loss, the credit card center will mail you another card. If you change the card before the expiration date, the bill and card will be mailed to you again. As long as you have not applied for cancellation, the bank will not take the initiative to cancel it for you. Annual fee. Now you can only wait for the new card to be mailed to you, and then you can cancel it and get a new ID card to apply for a new card. I suggest you call the customer service hotline of the credit card center and ask.

Question 8: If you lose your credit card, what are the risks of canceling it directly by reporting the loss? Have you applied for cancellation and successfully canceled it? You still need to confirm this through customer service (including whether there was an overdraft before reporting the loss, and whether you have settled the fees incurred by the loss report), because it takes 45 days from application for cancellation to completion. If so, the card account will be cancelled. What risks will arise?

There should be no problem in applying for cards from other banks at Forker, as long as the credit report does not reflect that you have personally applied for a lot of credit cards, haha

Question 9 : What is the difference between reporting a loss and canceling a credit card? We all know that each bank card has a unique identification. Generally speaking, the bank will not cancel your card information if it is reported lost. You can go to the bank to apply for a new card with exactly the same information, but In the case of cancellation, the bank will delete all the information on this card, which means that this card will not exist in the future

Question 10: Can a credit card be canceled after being reported as lost? First, if the cardholder If the card is lost and there is no need to reissue it, you can just call the credit card customer service number to report the loss without replacing the card. This is equivalent to canceling the card. However, as long as a credit card is reported lost, most cards will incur a loss report fee. Cardholders need to be careful not to have their personal credit report affected by the overdue loss report fee.

Second, if the cardholder has already reported the loss of the card but does not want to use it after receiving the new card, he or she can apply to cancel the card if there is no outstanding payment on the card.

Can a credit card loss report be cancelled? Pay attention to these matters

Many cardholders have lost their credit cards. In order to avoid financial losses, they reported the loss of their credit cards. However, they found the credit cards after reporting the loss. In this case, is it possible to report the credit card as lost? Cancel it? Let’s talk about this topic below.

1. How to report the loss of a credit card?

There are many ways to report the loss of a credit card, the common ones are as follows:

1) Report the loss by phone: Use the mobile phone number reserved when applying for the card, and call the card issuer’s 24-hour service hotline , transfer to manual customer service to handle the loss report;

2) Online loss report: Find the credit card loss report option through WeChat official account, personal online banking, credit card official website and other channels, and apply;

3 ) Report loss at an outlet: Bring your valid ID card and go to the outlet of the card-issuing bank to report the loss.

Warm reminder, there are two situations when reporting the loss of a credit card, one is reporting the loss and replacing the card, the other is reporting the loss but not replacing the card, which needs to be decided based on whether the card is used. If you want to continue using the card, choose to report the loss and replace the card. After reporting the loss, the bank will resend a new card, which can be used after opening the card. If you don’t want to continue using the card, choose to report the loss and not replace the card, but you must transfer the outstanding balance in your account. The debt is paid off in one lump sum.

2. How to cancel a credit card loss report?

Many bank credit cards do not provide temporary loss reporting. Once the official loss report is successful, it cannot be canceled. Even if the credit card is recovered, there is no way to restore it.

If you have chosen to report the loss and replace the card, wait patiently for the new card to be activated before using it; if you have not chosen to replace the card, if you want to use the card, you can only apply for a new credit card.

The above is the relevant introduction to "Can a credit card report be canceled?" I hope it will be helpful to everyone. In short, after successfully reporting the loss of a credit card, it cannot be canceled. When reporting the loss, everyone must consider whether to use the card and choose to replace the card or not.

That’s it for the introduction on how to cancel a credit card loss report.