How to replace a lost credit card

If a credit card is lost, it is recommended to call customer service immediately to report the loss or freeze the account to protect the safety of your credit card funds. After reporting the loss by phone, within three days Go to the bank to formally report the loss. If the cardholder confirms that the original credit card cannot be found, he or she can apply to the card-issuing bank for a new card.

1. Verbal loss report

If the cardholder is too late to go to the bank card department to handle the loss, he can make a phone call to report the loss, but he must go to a China Construction Bank branch within 72 hours to make a formal loss report. , otherwise the loss report will be automatically released after 24 hours.

2. Report loss at an outlet

If a cardholder loses his or her bank card, he or she can apply for a loss report at a nearby China Construction Bank branch. Loss reporting applications can be made at any CCB branch, and there is no need to go to the card issuing branch to report the loss. Applying for a loss report at an outlet is a formal loss report. The formal procedure for reporting a loss is that the cardholder must fill out a loss report application form, submit his/her identity document for verification, and pay a loss report fee and a lost card replacement fee. All financial responsibilities incurred by the card before reporting the loss and within 24 hours after reporting the loss shall be borne by the cardholder. If the cardholder finds the bank card after reporting the loss, he can cancel the loss report item. Fill out the application form for canceling the loss report. After canceling the loss report, the original loss report handling fee and the card loss report replacement fee will not be refunded.

Notes

Replace the card when it expires: The Dragon Card (Dual Currency) bank card is valid for 3 years and will become invalid upon expiration. China Construction Bank will proactively send you a new card one month before your card expires for your convenience. If you do not want to continue using the card after it expires, please call the China Construction Bank 24-hour service hotline one month before the card expires.

Replace the card in advance: If your card is about to expire within 3 months, and you need to change the card in advance due to special reasons such as going abroad, please call the 24-hour service hotline to apply and destroy the original card yourself. . CCB will handle card replacement in advance and send you a new card.

Damaged card replacement: When your card can no longer be used due to damage, breakage, degaussing of the magnetic strip or incorrect signature, etc., you can apply for a new card; to apply for a reissue, please call CCB’s 24-hour service Hotline, a reissue fee of 20 yuan per card will be required to reissue a new card; please be sure to destroy the old card yourself to avoid unnecessary losses.

Guidelines for emergency card replacement overseas: If your card is lost or stolen while traveling abroad, please call our customer service hotline to report the card loss. We will handle the loss reporting procedures for you immediately, and the loss report will take effect immediately.

What should I do if I lose my credit card?

If I lose my bank card, the first thing to do is to call the bank’s customer service number, transfer to manual service, and apply for temporary freezing. The temporary freezing time is 7 During the freezing period, the funds in the card cannot be transferred out, but can only be transferred in. You can formally report the loss at a bank outlet within 7 days. If you want to know if you have lost your bank card, you can directly ask the customer service staff when calling the customer service number. After confirming the identity, the customer service staff will tell you the bank under the cardholder's name; if you have bound mobile banking, you can Query within the personal account; there are also some bank cards that have been bound to third-party payment software, and the bound bank cards can be queried in the third-party personal account. After reporting the loss of a bank card, you will get a new card, and there are generally two situations for new cards, namely, changing the card without changing the number and changing the card without changing the number; changing the card without changing the number, that is, a new card is reissued and the bank card was lost before. The card is the same, which is also called card replacement with the same number or card replacement with guaranteed number; card replacement and number replacement means that a new card is different from the previous one, which is also called card replacement with a different number. Regardless of whether you change the card or number, the funds and various services in the account remain unchanged. After the new card is issued, you must promptly check whether the funds in the account are accurate. It should be noted that if the credit card is lost, the consequences will be more serious. Some cardholders have not set a consumption password, that is, they directly swipe the card to sign when using the credit card for consumption or shopping. If it is picked up by others, it is likely to cause the loss of funds, so when using the credit card When lost, the first thing to do is to make a phone call to temporarily report the loss; but with a debit card, a password is required for any type of consumption, but the loss must be reported in a timely manner after the card is lost. It takes about 15 days to reissue a lost credit card because the bank needs time to create a new credit card.

Bank cards are crucial to everyone. It is recommended to keep them well after using them to prevent personal information from being leaked and funds stolen if they are lost.

What should I do if I lose my Agricultural Bank of China credit card?

Hello! If your credit card is lost, you can report the loss through the following channels:

1. Palm Bank: Please log in to the Palm Bank APP, click "Homepage → Credit Card → Card Manager → Report Loss and Replace Card", and select For the credit card you want to report lost, enter your mobile phone number and verification code, click "Next", and the loss report is successful.

2. Online banking: Please log in to personal online banking, click "Credit Card → Settings → Report Loss and Replace Card" to handle the process of reporting loss and replacement of credit card.

3. WeChat: Please follow the "Agricultural Bank of China Credit Card" WeChat official account. After binding the credit card, you can enter "manual" to transfer to Kaka's teacher to handle the card protection business for you.

4. Customer service hotline: Please call our bank’s 24-hour credit card center customer service hotline 4006695599 (for areas where 400 is not available, please call 02161195599, for overseas please call 86-21-61195599) to report the loss.

5. Counter: The card owner is required to bring his/her identity document to an Agricultural Bank of China branch to handle the card loss and replacement business.

Warm reminder:

1. Once the loss report is processed, it will take effect immediately and cannot be revoked.

2. To report a loss, you need to pay a loss reporting fee of 50 yuan from your account (free for platinum cards and other special cards). Our bank will bear the economic loss of the card being used fraudulently after your loss report takes effect, and will The replacement card will be mailed to you promptly.

3. After reporting the loss, our bank will provide you with a new card for free, and the new card will be sent to you by registered mail. If you want to get a new card as quickly as possible, you can apply for EMS Express and courier services require an emergency handling fee of 20 yuan each time from your account (free for special cards such as platinum cards).

If your credit card is lost, you can do the following:

1. Card protection: Our bank can temporarily add card protection for you. The temporary freeze is valid for 7 days. The freeze will be automatically unfrozen.

2. Reduce the limit: In addition to card protection, you can also choose to reduce the limit of your card. There will still be certain risks in card protection and limit reduction, and you still need to bear the risk yourself before reporting the loss. In order to ensure the safety of your funds, if the card is confirmed to be lost, please report the loss immediately.

3. Loss report: You can report the loss through our bank's personal mobile banking APP, "Agricultural Bank of China Credit Card" WeChat official account, personal online banking, customer service hotline 4006695599, counter and other channels.

(Answer time: September 15, 2022. In case of business changes, please refer to the actual situation.)

What should I do if I lose my credit card?

The credit card is in After losing the card, you first need to report the loss, and then choose whether to replace the card according to your needs. This is the specific process for reporting loss and card replacement:

1. Reporting credit card loss

You can directly call the bank customer service hotline and use the credit card loss self-service to report credit card loss. If the funds are lost after reporting the loss, the bank will bear the responsibility. In addition, it cannot be canceled after the loss report is successful, so please handle the loss report business with caution.

2. Credit card replacement

When reporting a loss, if you select "Report loss without replacing the card", it will be regarded as canceling the card, and the card that has been reported lost will not be able to be restored. If you need to use your credit card again, you must apply for a new card.

After selecting "Report lost card and replace card", the bank will produce a card and mail a new card to the customer as soon as possible. At the same time, the customer will be notified of the card production progress via SMS.

There are two ways to report the loss of a credit card and replace it, which require different information: to report a loss over the phone, you need to provide your ID number and name and other relevant information for verification; to report a loss at a bank counter, you need to provide the cardholder's ID card to report the loss.

Report loss by phone:

1. Report loss by customer service phone: Dial the customer service number on the back of your credit card, enter the loss reporting area, and submit a loss report request to the bank’s credit card customer service. The customer service will ask you to provide your ID number. and name for verification. Once the verification is passed, your credit card can be reported as lost.

2. Credit card loss reporting is a fee-based service (contact the bank customer service for specific fees). The fee for reporting loss is RMB 60 per card. If you need to apply for a new card after reporting the loss, you will need to pay an additional RMB 15 per card. Card reissue fee: The reissued credit card will be mailed to your billing address in about ten working days. If express delivery is required, a courier fee of 20 yuan will be required.

Warm Tips:

1. Do not apply for multiple credit cards frequently because of giving gifts or collecting card faces. Please apply for cards rationally according to your own situation and do not be too blind.

2. If you apply for multiple cards, cancel multiple credit cards, and then want to restore the credit cards, all records will be recorded in the credit information system of the People's Bank of China.

3. Canceling and applying for a card too frequently will only affect your personal credit. Please be careful when applying for or canceling a card.

Credit card is a non-cash transaction payment method. It is a small credit payment tool provided by banks to users who consume first and repay later. Credit cards can be divided into the following types of cards according to four dimensions. :

1. According to the different levels of the card, the types of credit cards can be divided into ordinary cards, gold cards, and platinum cards;

2. According to the different objects of card issuance, the types of credit cards can be divided into: Divided into corporate cards and personal cards;

3. According to the special functions of the card, the types of credit cards can be divided into various theme cards, student cards, shopping cards, women's cards, car cards, sports cards, etc. ;

4. According to the card shape, the types of credit cards include standard cards, mini cards, special-shaped cards and transparent cards;

5. According to the storage media, the types of credit cards can be Divided into magnetic stripe cards and chip cards;

6. According to the relationship between cards, the types of credit cards can be divided into main cards and supplementary cards;

7. According to the circulation scope of credit cards Different types of credit cards can be divided into international cards and regional cards;

8. According to the settlement currency, the types of credit cards can be divided into local currency cards and cards;

9. According to accounts In terms of settings, the types of credit cards can be divided into single-currency cards, dual-currency cards, and multi-currency cards;

10. According to brands, the types of credit cards include VISA, MasterCard, American AmericanExpress and ChinaUnionPay.

What to do if your credit card is lost?

1. Search. If your credit card is lost, first look for the place where you went before it was lost.

2. Report the loss. If you look for it and don’t find it, you should go to the bank or call the customer service computer to report the loss in time.

3. Reissue. If you still want to continue using your credit card, you can apply for a reissue.

4. If you no longer want to use your credit card, you can go to the business hall to cancel it after reporting the loss. Note that you need to pay off all the money owed on the credit card when canceling.

5. Warm reminder, do not keep multiple credit cards together for a long time.

That’s it for the introduction of how to handle a lost credit card.