After the credit card is lost, the cardholder will be in a state of no card for a period of time. How can I repay without a card, especially if I can't remember my credit card? First of all, if it is convenient, you can go to the issuing bank's business outlets for credit card repayment; Secondly, if you have personal online banking, you can log in to personal online banking to repay directly. In addition, commonly used third-party payment tools can still be used for repayment. If you have had the experience of repayment by a third-party payment instrument before, you usually have a credit card. You don't need to enter a credit card when you repay, and you can repay directly according to the tips of the third-party payment instrument.
[img] I lost my credit card. I don't remember. How can I repay you?
You can call the credit card manual customer service to check the credit card and apply for a loss report. Then you can transfer money or deposit it into this account.
How to return the credit card?
1. The ATM of the bank deposits directly on the credit card;
2. Bind the credit card with the bank card and set up automatic repayment;
3.ATM inter-bank transfer repayment;
4. Repayment through online banking transfer or inter-bank transfer;
5. You can also transfer money through WeChat wallet or Alipay (inter-bank transfer is free).
When using credit cards, we must pay attention to some skills and avoid some problems.
1, credit card oversubscribed
Some people apply for multiple credit cards in order to increase the quota, while others apply for multiple credit cards for the gift. No matter what the reason, the number of credit cards should not be too large and the total amount should not be too high. Applying for too many credit cards, on the one hand, is inconvenient to manage, on the other hand, the debt is too high, which also has a certain impact on applying for new cards and loans.
2. Excessive overdraft
Excessive overdraft here refers to credit card consumption beyond the cardholder's repayment ability. Generally speaking, if there is no temporary large consumption expenditure, it is best to control the monthly credit card consumption amount below 1/2 of the monthly income.
It is best to control the monthly consumption of credit cards below 0/2 of the monthly income of 65438+, and the repayment pressure of cardholders is relatively small. Some cardholders have poor self-control, love to spend money, often spend irrationally, credit overdraw, and it is difficult to repay. If you don't pay attention, it will easily lead to overdue repayment of credit cards.
3. Always handle credit card cash withdrawal, installment and other businesses.
According to the minimum repayment amount, installment repayment and credit card withdrawal are all charged. Repayment according to the minimum repayment amount will generate credit card interest, with a daily interest rate of 0.5 ‰ and monthly compound interest; For credit card installment, you have to bear the credit card installment fee and convert it into the actual annual interest rate, which is as high as13%; Credit card cash withdrawal business does not enjoy interest-free except handling fees, and interests are charged from the date of cash withdrawal, with a daily interest rate of five ten thousandths.
4. Crazy amount increase
For some cardholders, it is a pursuit to apply for credit card quota increase. High-value credit cards are not only convenient to use, but also make cardholders feel proud. However, crazy pursuit of credit card withdrawal is not a good thing. Excessive credit card limits tend to encourage cardholders to spend too much.
5. Overdue repayment
Overdue repayment of credit cards is a taboo, which will first generate high interest and liquidated damages, and most importantly, it will affect personal credit records and future mortgage applications.
How to repay the credit card after reporting the loss?
First, the bank credit card loss reporting repayment method
1, automatic repayment. If the cardholder has previously set up automatic repayment when the credit card expires, the automatic repayment will still be valid as long as the cardholder guarantees that there is enough balance in the repayment account during the loss reporting period of the credit card.
2. Repay at the bank counter. Cardholders can call the bank's credit card customer service hotline and ask about the credit card. This method needs to verify personal information and tell the customer service staff on the phone. You can take your credit card, ID card and money to the bank's business outlets for repayment. You can also go directly to the business outlets for repayment.
3. Online bank repayment. Log on to the bank portal website, personal online banking, and conduct credit card repayment business.
4. Repayment through a third-party payment platform. Common third-party platforms include Alipay and Tenpay. At present, Alipay computer clients charge 0.2% handling fee for their own repayment and 0.2% handling fee for others' repayment, with the lowest 2 yuan per transaction and the highest 25 yuan per transaction. Alipay mobile phone client repays for itself and others free of charge.
Second, the bank credit card loss reporting method
1. After the credit card is lost, call the bank customer service hotline to provide your basic information and credit card information, and the staff will report the loss of the credit card for you as soon as possible.
You can bring your ID card to the credit card center of the bank to report the loss. If I do it myself, the procedure may be simpler. If you need someone else to do it for you, you need to write a power of attorney and seal it.
To sum up, bank credit cards still need to be repaid after reporting the loss, and cardholders can choose the appropriate credit card repayment method according to their own situation.
Extended data:
Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay.
Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
Repayment method:
In the issuing bank, this method includes: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.
Weizhong Bank POS mobile phone Weizhong Bank POS mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer of credit cards. Arrive immediately!
Transfer/remittance repayment is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.
Common online platforms for online repayment in China include UnionPay Online, Kuaiqian, Shengfutong, Alipay and Tenpay. Choose different platforms and banks, and the charging standards and specific arrival time are different.
Convenience store repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it will arrive in 2~3 working days, and there is no handling fee for repayment in this way.
Counter repayment refers to the bank card issued by various networked financial institutions, and the RMB current deposit and withdrawal transactions are conducted through the counters of other bank outlets registered in the host system of UnionPay Trading Center.
Xinfutong Repayment "Xinfutong" smart credit card phone is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center and supported by the financial services provided by China UnionPay's inter-bank information exchange network.
Repayment Pass uses "Repayment Pass" for repayment, and generally charges fees according to the charging standards for inter-bank transfer in the same city and inter-bank remittance in different places stipulated by the local people's bank.
In addition to the above methods, the issuing bank has also opened its own repayment methods in order to facilitate the cardholder's repayment.
How can I return my credit card if I lose it? I can return the goods through these channels.
Users will lose their credit cards in daily use, so how should they repay after losing their credit cards? Do you usually pay attention? Here's how to repay your lost credit card, so that you must not be overdue when you repay it.
After the credit card is lost, it can be returned through bank counters, online banking, mobile banking and third-party payment platforms. When returning through a third-party payment platform, you may have to pay a certain fee. Users should try not to use this method when the repayment amount is large.
To be successful, cardholders must know about credit cards. If he doesn't know, he can call the customer service phone of the bank for consultation. In fact, it is the fastest for users to go directly to the bank counter with their ID cards and cash, even if they don't know the bank counter.
Report the loss immediately after the credit card is lost, so as to avoid the situation that the credit card is stolen, because many foreign websites do not need a transaction password to swipe the credit card. You only need the expiration date and security code to complete the transaction, which is why many credit card swipes occur abroad.
After reporting the loss of a credit card, you can apply to the bank for a replacement card. When you reissue your credit card, you have to pay a little fee. You can get a new card about 15 days after processing, and then activate it. If the user does not want to use this credit card, he can also choose to cancel this credit card after repayment.
Usually, after spending by credit card, you must repay on time, and there can be no overdue repayment. If there is overdue repayment, there will be penalty interest, and the longer the time, the more penalty interest will be generated. When it is returned later, the burden will increase and the possibility of non-repayment will increase. When repayment is difficult, installment repayment or minimum repayment amount can be adopted, which can effectively reduce the repayment burden.
This is the end of the introduction on how to repay the lost credit card. I wonder if you have found the information you need?