There are several ways to report the loss of bank cards:
1. Go to the bank branch counter. With my valid ID card, I can report the loss temporarily or officially by going to the counter of the nearest bank outlet and filling out the relevant application form as required.
2. Call the bank customer service to report the loss. Call the bank customer service number and report the loss orally. Self-service voice processing can also be done manually. When reporting the loss, you can also choose to report the loss temporarily for 7 days; If you still need to report the loss after more than 7 days, you need to go to the bank with your ID card to formally report the loss and change the card before the oral loss becomes invalid. If the bank card has been found, it can be used normally until the oral loss report fails.
3. Report the loss through mobile banking/online banking. Take China Merchants Bank (Android version: 9.5. 1) as an example: log in to the mobile App of China Merchants Bank, click "My"-"Bank Card", and click the bank card that needs to be reported for loss. If you report the loss of a credit card, just click "More Functions"-"Report the Loss of Card"; Click "One-click Lock Card"-"One-click Report Loss" to report the loss of the savings card.
1. Report the loss of the bank card and reissue it. The rules of all banks are similar. Divided into temporary loss reporting and long-term loss reporting. Temporary loss reporting is 7 days, and long-term loss reporting after formal loss reporting is invalid. Generally speaking, it takes 7 days to report the loss orally and in writing, subject to the formal written report. After the formal written report of loss, the oral report of loss will automatically become invalid. If there is no written report of loss, the frozen account will be automatically released after the validity period, and you can continue to report the loss orally.
2. How does the bank cancel the loss reporting: If the user reports the loss temporarily, it will automatically cancel the loss reporting after 7 days; If the user reports the loss permanently, the user needs to bring his ID card and bank card to the bank counter to report the loss and cancel it. After the loss report of the bank card is cancelled, the functions such as bank card and electronic banking will be restored immediately. It should be noted that the loss reporting and cancellation business cannot be handled by the agency. After the bank card is lost, it should be reported to the bank as soon as possible to prevent criminals from obtaining funds through illegal means and causing their own economic and property losses.
Inventory the credit card replacement rules of various banks (handling fee, production cost, card loss protection)
Credit cards are widely used and gradually become a necessity in our lives. However, in the process of use, an accident will inevitably occur, leading to the loss of credit cards. At this time, we need to report the loss to the bank for a replacement card. Today, let's introduce the handling fee, cost and card loss protection of credit cards in various banks.
1, Bank of China
Cost: Report the loss of 40 yuan; The fee for replacing the lost card is 15 yuan.
Lost card protection: the protection time is 72 hours before the loss is reported, which is limited to platinum cards, excluding network, telephone and ATM transactions. The maximum guaranteed amount of the Supreme Edition is 20,000 yuan, and the maximum guaranteed amount of the Elite Edition is 1 10,000 yuan.
2. Agricultural Bank of China
Fees: Gold card, Puka 50 yuan, Platinum card and official card are exempt from loss reporting fees; The fee for reporting the loss and replacing the card can be waived.
Lost card protection: the protection time is 72 hours before the loss is reported, only for platinum cards, with a maximum of 50,000 yuan.
3. Industrial and Commercial Bank of China
Fees: Peony Platinum Card is free, Peony Special Card 10 yuan, others are in 20 yuan; The fee for reporting the loss and replacing the card can be waived.
Lost card protection: the protection time is 48 hours before the loss is reported, and it is limited to peony cards issued in Shenzhen and Shanghai, with a maximum of 5,000 yuan for ordinary cards and 0/1,000 yuan for gold cards/kloc.
4. China Construction Bank
Cost: Report the loss of 50 yuan; The fee for reporting the loss and replacing the card can be waived.
Lost card protection: the protection time limit is 72 hours before the loss is reported, and it is limited to overseas stolen cards, excluding off-site transactions such as internet and telephone. Ordinary card up to 5000 yuan, gold card up to 1000 yuan, platinum card up to 20000 yuan.
5. Bank of Communications
Charge: If you report the loss of 50 yuan, the official card can be exempted; The fee for reporting the loss and replacing the card can be waived.
Lost card protection: the protection time limit is 48 hours before the loss is reported, excluding network, telephone and ATM transactions, and the total amount is as high as 654.38+10,000 yuan, with a maximum payment of 20,000 yuan each time.
6. China Merchants Bank
Cost: Report the loss of 60 yuan; The fee for reporting the loss and replacing the card can be waived.
Lost card protection: the protection time limit is 48 hours before the loss is reported, excluding network, telephone and ATM transactions. The maximum limit of ordinary card is 1 0,000 yuan, the maximum limit of gold card is10.5 million yuan, and the maximum limit of platinum card is credit limit.
7. China CITIC Bank
Cost: Report the loss of 60 yuan; The fee for reporting the loss and replacing the card can be waived.
Card loss protection: the protection time is 48 hours before the loss is reported, and the card security function must be turned on. Ordinary card up to 5000 yuan, gold card up to 20000 yuan, platinum card up to 50000 yuan.
8. Shanghai Pudong Development Bank
Fees: No handling fee for loss reporting, and no replacement fee for WOW series cards and Singapore Travel Gold Card in 60 yuan.
Lost card protection: the protection time limit is 48 hours before the loss is reported, excluding password transaction, online transaction, email shopping and electronic cash transaction, with a maximum of 6,543,800 yuan.
Here, I take stock of the credit card replacement rules of these banks, mainly including the replacement fee and the amount and requirements of lost card protection, hoping to help you.
What are the precautions for the official loss reporting of BOC credit cards?
Notes on the official loss reporting of credit cards:
1. The official loss report of a credit card will charge a 40 yuan loss report fee, which will be directly deducted from your card. Platinum cards, inactive cards and personal special cards are exempt from loss reporting fees.
2. Once the official report of loss is successful, it cannot be revoked. The risk before loss reporting shall be borne by oneself, and the risk after loss reporting shall be borne by Bank of China.
3. After the credit card is officially reported lost, the old card will be invalid and cannot be used, and the new card, validity period and security verification code will be changed. You need to activate the new card to use it. If you have handled online banking or other withholding business (Alipay/WeChat, etc. ) need to re-associate in the early stage.
4. If your credit card is an IC card, after the official loss report, the balance in the electronic cash account cannot be reported, and the lost amount cannot be recovered.
5. After the credit card is officially reported lost, it will not affect your deposit, refund and other transactions. Please pay the bill normally.
6. After the credit card is officially reported lost, if there is a virtual card or equipment card under its name, it will be automatically cancelled.
7. Because some conventional deduction transactions are not in check card or account status, it is necessary to carry out cyclic withholding (such as continuous transactions such as Amazon membership fee/operator deduction fee). You can't stop deducting fees after you officially report the loss. It is recommended that you negotiate with the merchant to cancel and terminate the regular deduction contract.
The above contents are for your reference. Please refer to the actual business regulations.
How about 72 hours before Ping An Bank reported the loss of its credit card?
Ping An Bank provides credit card loss reporting protection 72 hours before loss reporting. Compared with the 48-hour term service, Ping An Bank's loss reporting protection is much longer. Apart from the time advantage, what are the advantages of Ping An Bank's credit card loss reporting encouragement?
Guarantee content
Guarantee 1: Credit card consumption loss protection (signature confirmation only)
If your credit card is lost, stolen, robbed or robbed, as long as you choose the "signature only" consumption mode and the "consumption secret" function is not enabled, you can apply for handling the credit card consumption loss caused by credit card theft within 72 hours before reporting the loss. If the compensation clause of lost card protection is met, the corresponding amount of compensation can be provided.
Guarantee 2: Loss protection for cash withdrawal from credit card robbery (with cash withdrawal password) If you are hijacked by gangsters and forced to disclose the cash withdrawal password of your credit card under the threat of gangsters and serious threat to your life and health, you can apply to our bank for compensation for the loss of cash withdrawal from your credit card robbery through ATM or bank counter within 72 hours before reporting the loss.
warranty period
From the account opening date of the main cardholder, 1 year is a cycle, and cardholders including supplementary cardholders can only get payment guarantee once in a cycle.
amount guaranteed
Do not exceed the upper limit of your fixed credit line, with a maximum of RMB 50,000.
correlative charges
Loss reporting fee: 60 yuan/card, which is included in the cardholder's next bill;
Express fee for sending a new card: RMB 20 yuan/letter, which is included in the cardholder's next bill (free registered mail is also available);
Postage for applying for protection information: according to your location and the weight of the information, it will be paid by the cardholder;
How to deal with the loss of credit card?
Credit card loss reporting can be handled through mobile banking, telephone banking and other channels. If you report the loss of your card, remember to check the mailing address again.
How to deal with non-personal transactions before the official loss report of China Bank credit card?
After the loss is reported, the risk is borne by the bank. If there is a non-personal transaction on the credit card before the loss is reported, it is suggested that you call the police as soon as possible and ask the police to help solve the case and recover the loss. At the same time, you can call the credit card customer service hotline 4006695566 for consultation. The bank will assist in inquiring about the trading place, collect relevant documents and fully cooperate with the police to investigate and handle the case.
The above contents are for your reference. Please refer to the actual business regulations.
This concludes the introduction of how to spend the 24 hours before the loss of credit cards and before the loss of credit cards. I wonder if you have found the information you need?