How to repay a lost credit card

After a credit card is lost, the cardholder will be in a cardless state for a period of time. How to repay when you don’t have a card, especially when you can’t remember the credit card? First, if it is convenient, you can go to the branch of the card-issuing bank to handle credit card repayment; secondly, if you have personal online banking, you can log in to personal online banking and repay directly . In addition, commonly used third-party payment tools can still be used for repayment. If you have had the experience of repaying with a third-party payment tool before, it is usually bound to a credit card, and you do not need to enter the credit card when making repayments. , just make repayment directly according to the prompts of the third-party payment tool.

What to do if you find a bank card?

1. If you find a bank card, you can handle it properly as follows:

1. Just hand the bank card to the corresponding bank counter. It means you found it and hand it over to the bank for processing. Can.

2. It can be handed over to the nearby police station and can be handled properly.

3. If it is inconvenient to use the above two methods, you can also call the bank phone number of the bank card. The phone will explain that it was picked up and it is not convenient to go to the bank counter now. You can give it to the bank over the phone. Bank staff helped with the process.

4. Just cut the bank card and throw it away. The owner will report the loss and re-apply, so there is no loss of funds.

2. Bank cards refer to credit payment instruments issued to the public by approved commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposits and withdrawals, etc. Bank cards reduce the circulation of cash and checks, allowing banking business to break through the limitations of time and space and undergo fundamental changes. The application of the bank card automatic settlement system has made the dream of a "checkless, cashless society" a reality.

3. It is still dangerous to lose a bank card. First of all, if it is a debit card, it will be protected by a six-digit password. The risk is not great, but just in case, you still need to report the loss as soon as possible. , to avoid causing financial losses. If it is a credit card, because some credit cards are swiped by signature, the possibility of theft is very high, so whether it is a credit card or a debit card, it is best to report the loss as soon as possible.

4. It usually takes about 7-15 working days to reissue a bank card after a loss is reported. Under normal circumstances, if the card is lost and it is too late to go to the counter, you can first call the customer service number to verbally report the loss, and then bring your ID to the bank. Handle at the counter. There are two situations when applying for a new bank card. One is to apply for a new card with a guaranteed number and the bank card will remain unchanged. The other is to apply for a new card with a new number and the bank card will change. Users can explain their needs to the bank when replenishing their cards. Since the bank card is lost, it is recommended not to use the original number to avoid leaving security risks.

5. Does it cost money to report the loss of a bank card?

It costs money to report the loss of a bank card. Different banks charge different fees for reporting the loss of a bank card. ICBC charges 20 yuan for reporting a loss and 5 yuan for a replacement card; Agricultural Bank of China charges 10 yuan for reporting a loss and 5 yuan for a replacement card and a color photo. The card is 50 yuan; Bank of China has a 10 yuan loss reporting fee and a card replacement is 5 yuan; China Construction Bank has a 10 yuan loss reporting fee and a card replacement is 10 yuan; Postal Savings Bank has a 10 yuan loss reporting and card replacement fee; Industrial Bank has a 10 yuan replacement fee and a card opening fee is 0 yuan.

How to pay off a credit card?

You can handle credit card repayment through the following channels:

1. Palm Bank: Please log in to the Palm Bank APP and click "Credit Card → Repayment" on the homepage to make your own Agricultural Bank of China credit card payment , repay other people's Agricultural Bank of China credit cards; click "Credit Card → Repayment → Set Agreed Repayment" to apply for automatic repayment of your own Agricultural Bank of China credit card debt.

2. Online banking: Please log in to personal online banking, click "Credit Card → Repayment → One-click Repayment" to repay your Agricultural Bank of China credit card debt; click "Credit Card → Repayment → Agreed Repayment", You can apply for automatic repayment of your own Agricultural Bank of China credit card debt; click "Credit Card → Repayment → Repay Other People's Cards" to repay other people's Agricultural Bank of China credit card debt.

Warm reminder: If you need to repay credit cards from other banks, you can do so through "transfer".

(Answer time: June 25, 2021. In case of business changes, please refer to the actual situation.)

I lost my credit card and can’t remember how to repay it

You can call the credit card customer service to inquire about the credit card, and apply for loss report and replacement; then you can transfer or deposit money to it.

How to repay a credit card?

1. Directly deposit money into the credit card from our bank’s ATM machine;

2. Bind the credit card and bank card to set up automatic repayment

3. ATM inter-bank transfer repayment;

4. Online banking transfer repayment or both inter-bank transfer repayment;

5. You can also pay via WeChat Transfer via wallet or Alipay (no handling fee for inter-bank transfers).

When using a credit card, you must pay attention to some techniques to avoid some problems.

1. Over-applying for credit cards

Some people apply for multiple credit cards in order to increase their limit, while others apply for multiple credit cards as a gift. No matter what the reason is, the number of credit cards should not be too many, and the total limit should not be too high. Applying for too many credit cards will make it difficult to manage, and on the other hand, excessive debt will also have a certain impact on applying for new cards and loans.

2. Excessive overdraft

Excessive overdraft mentioned here refers to spending with the card beyond the cardholder's repayment ability. Generally speaking, if there are no temporary large consumption expenditures, it is best to keep the monthly credit card consumption amount below 1/2 of the monthly income.

It is best to keep the monthly credit card consumption amount below 1/2 of the monthly income, so that cardholders will have relatively less repayment pressure. Some cardholders have poor self-control, love to spend money, often spend irrationally, and have excessive credit, which makes it difficult for them to repay their loans. If you are not careful, it can easily lead to overdue credit card payments.

3. Frequently handle credit card cash withdrawals, installments and other services

There are fees for repayment according to the minimum repayment amount, installment repayments, credit card cash withdrawals and other services. Repaying according to the minimum repayment amount will generate credit card interest, with a daily interest rate of 0.5%, compounded monthly; when applying for credit card installments, you will have to bear the credit card installment handling fees, which is converted into an actual annual interest rate, up to more than 13%; when handling credit card cash withdrawals In addition to the handling fee, the business does not enjoy interest-free. Interest will be accrued from the day the cash is withdrawn, and the daily interest rate is 0.05%.

4. Crazy limit increases

For some cardholders, applying for a credit card limit increase is a pursuit. High-limit credit cards are not only convenient to use, but also make cardholders feel Have face. But crazy pursuit of credit card limit increases is not a good thing. Credit card limits that are too high can easily encourage cardholders to overspend.

5. Late repayment

Late repayment of credit card is a big no-no. Overdue payment will first generate high interest and liquidated damages, and most importantly, it will affect personal credit record. It will affect future mortgage loan applications.

What should I do if I find a bank card and withdraw money? What should I do if I find a credit card?

How can I withdraw money if I find a bank card and what should I do if I find a credit card?

If you pick up a debit card, you cannot use it because it has a password. Chinese debit cards must have a password, unlike credit cards where it is possible to make purchases without a password.

If you pick up a credit card: the owner of the household has not set a transaction password, you cannot withdraw cash from the ATM, but you can use it to swipe the card at the POS machine, but you can use the information on the card to go online directly on some foreign websites. Consumption; the head of the household has set a transaction password. ATM cash withdrawals and card swiping purchases at POS machines are not allowed. You can also use the information on the card to make direct online purchases on some foreign websites;

However, it is illegal to use other people’s credit cards fraudulently. Illegal behavior is intentional misappropriation of other people's property, and may also be suspected of misappropriation of other people's property and other illegal acts.

What are the bank opening hours?

The business hours of different banks are different, but generally, they work from 9 am to 5 pm. I get off work earlier than usual on weekends, around 3 p.m. The above is only applicable to non-holidays and weekends. Banks are not open on holidays.

Is the replacement bank card still the original one?

The replacement bank card can be the original one. There are two situations in which you can apply for a new bank card. One is to apply for a new card with a guaranteed number, and the other is to apply for a new card. You can explain the need to the bank when applying for a new card. If the bank card is lost, it is recommended not to use the original number to avoid leaving security risks. If a user loses his bank card, he must first call the bank customer service to report the loss verbally. If the bank card is damaged, you can go to the bank counter with your ID card and the damaged bank card to apply for a new card, and you will need to pay a card replacement fee.

What procedures are required to apply for a replacement bank card?

To apply for a replacement bank card, you generally only need to bring your valid personal identity document to the counter of the card-issuing bank and apply for a replacement card. If you are unable to provide the bank card password for the replacement card, you need to report the loss first, and then go to the branch counter one week later to complete the card replacement procedure. The new card issued after the loss is different from the old card, but the account information is the same. Usually, bank card replacement can only be done in person at a bank branch, and cannot be entrusted to others. Moreover, card replacement and loss reporting may incur certain cost and business fees.

What should I do if someone borrows 20,000 yuan from my credit card? If you want to recover your losses, you can do this!

Card holders often encounter situations where their credit card is lost and someone else picks it up and swipes it, causing losses to themselves, and they may also pay for the stolen money. There was a netizen who posted online saying that someone stole his credit card and swiped 20,000 yuan. The bank sent him a text message asking him to repay the money. He didn’t know what to do? Here are some tips for you.

What should I do if someone borrows 20,000 yuan from my credit card?

First of all, if you find that your credit card has been lost, you should call immediately to report the loss of your credit card after it has been stolen. If your card issuing bank is China Merchants Bank, Bank of Communications, CITIC, Industrial, Shenzhen Development Bank, China Guangfa, Bank of Beijing and China Everbright Bank These banks generally have card loss protection. As long as your credit card is stolen by someone else within 48 hours before reporting the loss, you can apply for compensation from the bank, but the compensation amount is not necessarily the amount stolen.

If you want to recover all the losses, after reporting the loss of your credit card, you must go to the local public security agency to report the case. You must know that someone else picking up your credit card and using it is an act of fraudulently using someone else's credit card, and you A credit card worth 20,000 yuan was stolen, and the law stipulates that fraudulent use of other people's credit cards for an amount exceeding 50 million yuan can constitute a credit card crime and requires criminal liability.

I once saw a piece of news saying that someone picked up a credit card with a password written on the back on the road, so he took the credit card and went to the supermarket to swipe it to buy things, and then withdrew cash from an ATM machine.*** After spending 5,000 yuan, the owner reported it to the police and was arrested.

However, it should be noted that even after catching the person who was cheated, if that person refuses to repay, then you may still have to repay the stolen money, and if you If you fail to repay the credit card bill amount within the final repayment date, your personal credit will be affected by the overdue payment.

The above is the relevant introduction to "What should I do if someone picks up my credit card and swiped 20,000 yuan?" In short, if someone picks up your credit card and swipes it, if the amount is more than 5,000 yuan, it can constitute a credit card crime. What you are discovering After your credit card is stolen, go to the bank to report the loss as soon as possible, and then call the police. However, if the credit card thief fails to repay, you may need to pay back the credit card yourself first, otherwise overdue credit will be affected.

This is the end of the introduction about how to pay back a credit card if someone else found it. Can I use the money in my credit card if someone else found it? Did you find the information you need?