1. What should I do if my credit card is reported lost after I have paid it off for others?

If the card is indeed lost, you can use other cards to repay the credit card, as long as the repayment is The payment amount is transferred to the credit card and the repayment can be completed. Then apply for a new repayment card as soon as possible.

If the loss is reported by others by mistake, you can go to a bank branch or call the bank’s customer service phone number to apply for lifting the loss report. It will be lifted after verification by the bank, and then you can use the repayment card to repay the credit card.

2. Steps to report the loss of a credit card

Step 1: Call customer service to verbally report the loss. Currently, the customer service hotlines of all banks are open 24 hours a day. Once you find that your credit card is lost, you must call Call the bank’s customer service hotline as soon as possible to report the loss verbally. Don't take chances and think "you might find it if you keep looking". Usually theft occurs within a short period of time after the card is lost. The earlier the loss is reported, the smaller the risk. Cardholders only need to call the card-issuing bank's customer service hotline and enter the "emergency loss reporting" hotline, and professional customer service will guide them in reporting the loss. Follow the customer service prompts and provide relevant information to report the loss verbally. Reporting a loss will take effect immediately, and the bank will be responsible for any losses incurred after the loss is reported.

Step 2: Confirm whether the credit card has been stolen. After the credit card is lost, the biggest worry is that it will be picked up by criminals or people with evil intentions and used. Therefore, you must always pay attention to the card consumption after the card is lost. Once you find abnormal consumption on your card, you should call the police in time.

This step is very important when applying for lost card protection later, because when applying for lost card protection, the cardholder needs to provide evidence by himself to prove that the card was indeed lost or stolen and was not actively borrowed from others. At this time, The alarm record is particularly important.

Step 3: Go to a bank outlet to report the loss in writing. After reporting the loss orally over the phone, you must bring your personal valid document (ID card) to the bank outlet to report the loss as soon as possible. You do not have to go to the card-issuing bank.

Step 4: Apply for lost card protection and make a claim. If fraud occurs, you need to apply for lost card protection and make a claim. Different banks have different claims settlement standards for lost card protection. For details, please consult the customer service of the card issuing bank.

Step 5: Wait for the new card to be issued. After completing the above steps, you can apply for a replacement card. It should be noted that most banks require a certain handling fee for reporting loss and replacing a card, which ranges from 15 to 80 yuan. You can prepare change in advance!

After the credit card is lost, you can reissue it as soon as possible. !But no matter what, the credit card debt needs to be repaid. Once it is overdue, the cardholder needs to pay high overdue penalty interest, liquidated damages and late fees. At the same time, it will also cause flaws in personal credit records, and future loan applications will be rejected.