What should I do if my postal bank card is lost?

Go to the counter to report the loss first, and then apply for a new card. It will be different from the original one and cannot be restored.

If a bank card is lost, you must bring your ID card to the card-issuing bank to report the loss and replace the card. The loss report can be handled by others, but the replacement bank card must be handled in person. Procedure for re-issuing a bank card:

1. You can first report the loss orally over the phone to ensure the safety of the account funds.

2. Then go to the bank business hall and fill out the loss report application form.

3. After successfully reporting the loss, take it and keep it properly. You cannot receive remittances while the bank card is reported lost because the account is frozen at this time.

4. The loss report will officially take effect after seven days. Go to the bank with your ID card to apply for card replacement. Go to the bank with your ID card and the loss report receipt. There is a 10 yuan fee to get your ID card back and get a new bank card. After applying for a new card, the old card will be automatically canceled.

Extended information

If you don’t want to continue using it and the money on the card is less than 15 yuan, just ignore the card. If you want to report the loss, you need to bring your ID card to the bank where the account was opened. There is a loss reporting fee of 10 yuan and a cost of 5 yuan. Online banking does not require cancellation and will not affect other Postal Bank accounts (if any)

If the Postal Bank card is lost, if your Postal Savings Bank account If you have activated the text message notification service for current account changes, you can bring your ID card, bank card or passbook to the Postal Savings Bank counter in the province where you opened the account to cancel the service; you can also edit the text message "QX" and send it to 11185 to cancel the service; some provinces and cities support calling Local 11185 is canceled.

Baidu Encyclopedia--Postal Savings Bank of China Credit Card

Baidu Encyclopedia--Postal Savings Bank Card

How to replace the Postal Savings Bank Card ten years ago if it is lost

If you report the loss of a bank card, you need to pay a service fee of 10 yuan:

You can first report the loss verbally over the phone to ensure the safety of the account funds;

Then go to the bank business hall and fill in the Loss report application form;

Get it after the loss report is successful and keep it properly.

The report of loss will officially take effect after seven days. Go to the bank with your ID card to handle the card replacement business:

Go to the bank with your ID card and the loss report receipt;

Queue up to get the number;

After the number is called, give the teller the information needed to apply for a new bank card;

Wait a moment, enter the new card password, and sign the business confirmation form;

Pay a production fee of 5 yuan to 10 yuan, different banks charge different fees;

Get your ID card back and get a new bank card.

If the bank card is lost, the user should report the loss first and then replace the card. The loss can be reported in the following ways:

1. Report the loss by phone

When users find that their bank cards are lost, they can use their mobile phones to call the customer service hotline, and then follow the prompts to report the loss of their bank cards. The loss report process may require the user's name and ID number. If the loss is reported by phone, the loss report is valid for three to five days. It can be automatically restored after the expiration, and there is no need to cancel the loss report.

2. Report loss on the official website

Users can log in to their personal online banking account through iPhone13 system version: iOS15.0 app version: v9.0.5, and then in the account management module, use the account loss reporting option. Report the loss of your bank card account.

3. Go to the bank to report the loss

Users can bring their ID cards to the lobby of the bank branch, use the bank's self-service equipment, and enter the bank card and payment password. Perform loss reporting operations. At the same time, you can also report the loss through the counter. If you report the password loss at the counter, you can continue to use it after unblocking it; if you report the loss of the voucher, after a new card is reissued, the original old card cannot be used again even if it is recovered.

After losing the bank card, we need to do the following things.

1. If you find that your bank card is lost, call and temporarily report the loss immediately.

If you find that your bank card is lost, you should analyze it in two situations

(1) Debit card , the balance of the savings card is 0. In this case, there is no need to rush to report the loss, because the savings card cannot be overdrawn, but it is still necessary to report the loss to prevent others from transferring funds to the changed savings card. In addition, you should immediately call the bank to temporarily report the loss. The time limit for temporary loss reporting is generally 5 days for banks.

(2) Credit card, credit card can be overdrafted, and within the scope of the credit amount, banks basically do not limit the amount of credit card swiping, and there are too many POS credit card swiping channels, it is easy to be stolen, and when encountering credit card If you lose a credit card, call the credit card phone number to temporarily report the loss immediately. The time limit for temporary loss reporting of credit cards is generally 24 hours. Some banks will automatically convert the temporary loss report to a formal loss report, such as China Merchants Bank Credit Card. After a temporary loss report of China Merchants Bank Credit Card, the credit card will be temporarily reported as lost at 15:00 the next day: 30 will automatically convert it into a formal loss report, which is very convenient.

How long does it take to apply for a replacement credit card?

If a credit card is lost, it will take about two weeks to reissue it

1. For reissue, report the loss first and then reissue it. The loss report and reissue process can be completed by just calling the relevant bank at that time. For the customer service phone number, press the 0 key or other service keys to go to the worker service to report the loss and reissue the service.

2. After the reissue is confirmed, it will take about two weeks to receive the new card

1. After the reissue, it will take about half a month from card production to card delivery

2. The bank that sends the card uses ordinary postal mail to send the card. The speed is relatively slow and the area is not too far away. It can be received in one week. In remote areas, it takes about a little more than a week, such as Xinjiang and other places.

Tip: Instructions for mailing

Starting with KA: Ordinary express delivery time: 4-10 days, there is a charge for door-to-door delivery (usually about 4 yuan), you can arrive by yourself There is no charge for pick-up at the post office;

Starting with SA: Registered printed matter Arrival time: 7-20 days, free door-to-door delivery, slower;

Starting with XA: Registered letter Arrival time: ranging from 3-10 days, free door-to-door delivery, convenient and fast;

PA begins: Ordinary package arrival time: ranging from 7-20 days, door-to-door delivery is charged (usually 4 (approximately NT$), there is no charge if you pick it up at the post office yourself.

Credit Card (English: CreditCard), also called credit card. It is a non-cash transaction payment method and a simple credit service.

A credit card is generally a special carrier plastic card with consumer credit that is 85.60 mm long, 53.98 mm wide, and 1 mm thick. It is issued by the bank to individuals and organizations, and can be used to shop, consume, and deposit and withdraw cash from the bank. It is in the form of a card with the name of the issuing bank, validity period, number, cardholder name, etc. printed on the front. The card has Chip, magnetic strip, signature strip.

Credit cards are issued to cardholders by banks or credit card companies based on the user's creditworthiness and financial resources. Cardholders do not need to pay cash when using the credit card, and repayment will be made on the billing date (English: BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. Credit cards are issued by banks and give cardholders a certain credit limit. The cardholders can consume within the credit limit and then repay. A credit card; a quasi-credit card refers to a quasi-credit card issued by a bank. The cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, the quasi-credit card can be overdrawn within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on the Provisions on Credit Cards of the People's Republic of China and the Criminal Law of the People's Republic of China") refer to credit cards issued by commercial banks or other financial institutions. An electronic payment card with full or partial functions such as consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc.

On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.

Postal Savings Credit Card Loss Reporting Process

Just call the Postal Savings Customer Service Hotline 95580 to report the loss.

Telephone banking can handle temporary loss reports valid for 5 days (inclusive), or temporary loss reports valid for a long time.

Customers registered at the counter can handle business consultation, complaints and suggestions, inquiries, loss reports, transfers and remittances, fixed-liquid transfers, supplementary card management, fund transactions, treasury bond transactions, financial transactions, precious metal transactions, Bill payment and recharge, account inquiry, company account inquiry and other services.

Extended information:

According to Article 10 of the "Postal Savings Bank of China Credit Card (Personal Card) Regulations":

Part of the chip (IC) of the card issuer In addition to supporting credit card accounts, the card also supports electronic cash accounts. Electronic cash accounts have all or part of the functions of electronic cash account transactions such as small-amount fast payments, balance inquiries, and recharges, but do not have other payment and settlement functions such as overdrafts, transfers, and cash withdrawals.

Electronic cash accounts are anonymous, do not report losses, do not accrue interest, and do not provide statements. Unless otherwise specified, all transactions described in this Article are credit card account transactions.

The cardholder is not responsible for the economic losses caused by the card being counterfeited or misappropriated after the loss report is effective, but the state authorities shall deduct the funds in the credit card in the name of the cardholder in accordance with the law. The consequences will be borne by the cardholder.

Baidu Encyclopedia - 95580

Postal Savings Bank of China - Frequently Asked Questions

This is the introduction of how to reissue a lost postal credit card.