Everyone knows that in order to ensure the safety of funds, once a credit card is found to be lost, it is necessary to report the loss to the bank immediately and get a replacement. So, what should you do if you lose your credit card?

How to report the loss of a credit card

You can call to report the loss, or go to the counter outlet with a valid ID card to report the loss. It is recommended to choose one method first, which can save you the trouble of going to the bank to handle it in person. Once a credit card is reported lost, it will be in a payment stop state. You can only spend money after you get a new card to activate and reissue it. At the same time, the old card is officially invalid. The balance, account, limit and other information of the old card will be loaded to the new card. The password will also be based on the old card. If you feel unsure about your password, you can change it.

The final reminder is that some credit cards can provide lost card protection services. If the credit card is lost and stolen by others, you can claim from the insurance company for the losses caused within the time specified by the lost card protection.

If the credit card is lost, can others use it?

1. If the credit card is a non-flash card and has a password set, it will be picked up by others if it is lost, and the card cannot be used in China. , unless the password is broken; but on some overseas shopping websites, as long as you know the credit card number, expiration date, security code and other information, you can make purchases even if you don't know the password.

2. If the credit card is a Quick Pass card, although a password is set, the password-free and visa-free function for small amounts that is enabled by default is not turned off. If someone else picks up the lost credit card, it can also be used at the Quick Pass machine. By swiping the card, if the single amount is less than 1,000 yuan, the password will be skipped and the payment will be made directly.

Therefore,