After the loss of a credit card (debit card) is reported, the bank will directly transmit the relevant information to the international credit card (debit card) organization, and the card cannot run any transactions. If there is a risk, the bank will bear it. Credit card (debit card) cancellation does not have this step. You need to cut the magnetic stripe of the card and handle it properly. If the card is lost but cancelled, although the card cannot be used for credit card transaction, it may be stolen due to the integrity of the magnetic stripe information. Non-card transactions, such as off-line transactions on airplanes and ocean tankers, can still occur, and these risks are borne by you.
Many card friends know that there is a charge for reporting the loss of credit cards (debit cards), and it is free to cancel credit cards (debit cards). Therefore, after losing their credit cards (debit cards), many cardholders choose to cancel their credit cards (debit cards) and then apply for new credit cards (debit cards) to avoid the loss reporting fee. But just now, the essential difference between loss reporting and cancellation of credit cards (debit cards) lies in the different risk takers. The loss reporting fee is the fee for uploading magnetic stripe information to international credit card (debit card) organizations. Dozens of loss reporting fees transfer the risk to the bank, which can protect your subsequent rights and interests. Is it worth it?
According to the staff of Huaxia Bank's credit card (debit card), the loss reporting of credit card (debit card) is a credit card (debit card) service provided by the bank to avoid the risk of card theft after card loss. Huaxia Bank charges the loss reporting fee according to the credit card (debit card) service provided to cardholders.
At present, the loss reporting fee of peers is between 40-60 yuan/card, and Huaxia Bank is 50 yuan/card, which is at the middle level of peers. The following is a survey of loss reporting fees of six joint-stock banks (including Huaxia Bank). The details are provided in the table below.
Credit card (debit card) is kept and used by the cardholder during the whole use process. Before the cardholder reports the loss, the bank cannot be sure that the card has been out of the cardholder's control. Therefore, the loss reporting of credit card (debit card) is a kind of risk that the bank bears after the cardholder reports the loss.
Huaxia Bank not only provides loss reporting service, but also provides customers with a package of services of card replacement and mailing for free. At the same time, after the cardholder reports the loss, Huaxia Bank not only bears the risk loss and subsequent service cost after the loss is reported, but also provides credit card (debit card) cardholders with 120 hours service before the loss is reported, with a maximum guarantee of 654.38+10,000 yuan. Pay for the transactions that meet the requirements before reporting the loss, and the amount of compensation shall not exceed the agreed amount of insurance liability. Provide cardholders with all-round financial services.
Huaxia Bank once again reminds consumers that after losing a credit card (debit card), they should immediately call the 24-hour customer service hotline of the issuing bank to provide your basic information, and ask the staff to report the loss of your credit card (debit card) as soon as possible and apply for a new card. Otherwise, you will face the risks of card being stolen, card magnetic stripe information being copied, fake card and so on.