1. Contact the lending institution: First, you need to contact the lending institution and tell them that you want to change the repayment card. Lending institutions may ask you to provide some authentication information, such as loan account number and identification.
2. Fill in the application form: The lending institution may ask you to fill out the application form for card replacement. This form usually asks you to provide information about the new card, such as card number, expiration date, etc. Make sure to fill in the form accurately and read the terms and conditions on the application form carefully.
3. Provide new card information: After providing new card information on the application form, you may need to provide some additional documents or certificates to verify the ownership and validity of the new card. This may include the bank statement of the new card, the bank certification letter, the copy of the new card, etc. The lender may ask you to provide originals or notarized copies of these documents.
4. Update the automatic deduction authorization: If you have set the automatic deduction authorization before, you need to inform the lending institution to update the automatic deduction authorization information to ensure that the loan money can be deducted from the new card on time. The lender may ask you to fill out a new automatic debit authorization form and provide information about the new card.
5. Confirmation of successful card replacement: After completing the above steps, contact the lending institution to confirm whether your card replacement application is successful. They may need some time to process your application, so please be patient and keep in touch with them.
Please note that the above steps may be different according to the policies and procedures of the lending institution. Before applying for card replacement, it is best to communicate with the lending institution to understand its specific requirements and procedures. In addition, if you have any questions about the law or need further legal advice, please consult a professional lawyer to obtain accurate and reliable information.
The steps of replacing the mortgage repayment card are as follows: first, contact the lending institution to understand their specific requirements and processes. Then, prepare a new repayment card to ensure that the amount is sufficient within the validity period. Next, fill in the application form provided by the lending institution, including personal information and information related to the new card. After submitting the application, wait patiently for the approval of the lending institution. After approval, update the information of the new card to the system of the lending institution. In this process, ensure that the mortgage payment is paid in time to avoid late fees or overdue fees. Finally, confirm that the new card has been successfully put into effect, so as to ensure timely repayment every month. Remember, communicate with lending institutions in time and abide by relevant regulations to ensure the smooth replacement of mortgage repayment cards.
Legal basis:
Measures for the supervision and administration of credit card business of commercial banks;
Chapter IV Management of Card Issuing Business Article 45 The same applicant can only issue student credit cards in at most two card issuing banks (except supplementary cards). Before issuing student credit cards, the issuing bank must confirm the second repayment source, obtain written guarantee materials that the second repayment source (parents, guardians or other managers) is willing to repay on its behalf, and confirm the authenticity of the second repayment source identity. Before increasing the credit card limit of students, the issuing bank must obtain the written guarantee materials from the second repayment source (parents, guardians or other managers) that it agrees and is willing to repay on its behalf. A commercial bank shall formulate a management system for student credit card business according to the principle of prudence, and evaluate, calculate and reasonably determine the first credit line of its student credit card and the highest credit line adjusted according to the card usage according to the actual situation of business development. Student credit cards are not allowed to be used beyond the limit.