In the process of using credit cards, you must not let them leave your side, especially some careless people, and you should take good care of your credit cards to avoid losses caused by the loss of credit cards. However, despite this emphasis, many cardholders have lost their credit cards, so they began to worry about whether others can use their own credit cards. I think instead of worrying about the lost card being used by others, it is better to report the loss as soon as the card is lost, and timely stop loss is the best policy. Let's have a look.

If I lose my credit card, can I use it?

Not necessarily. It depends on your credit card status.

1. Credit card not activated:

If your lost credit card is not activated, others can't activate it, even if you find your card, you can't use it. But don't be too lucky. If your credit card is lost, your ID card and mobile phone are stolen, and your mobile phone has no password, then your credit card is in danger. Others can use your mobile phone to activate the card with your credit card, and then steal your credit card.

2. The credit card has been activated:

The credit card has been activated, but the password has been set. As long as the ID card and mobile phone are not lost, it is generally impossible for others to use them without knowing the password, but there are still risks. After all, overseas online payments may be swiped without a password. In addition, if your credit card has a visa-free secret, then others can still swipe your card, but the amount of swiping your card every day is limited.

Then, if the credit card is lost and stolen by others, can you recover the loss?

Many card friends think that the bank has set up a card loss guarantee, as long as the credit card is stolen by others, it can be recovered. This idea is too beautiful to say.

Although most banks provide credit card loss insurance services for the risk of credit card theft, whether banks pay for stolen credit cards depends on the specific situation. If a customer loses his bank card and it is stolen, it is because the customer has not kept it properly, so the bank will not pay for the stolen credit card.

Therefore, if you lose your credit card, you must report the loss to the bank and reissue it in time.

The specific reissue process is as follows:

1. Report the loss of the credit card as soon as it is found, and then reissue it. You can call the credit card customer service hotline of the issuing bank, and then turn to manual service to apply to the customer service staff for reporting the loss and reissue it. It should be noted that a certain fee is generally charged for reporting the loss of credit cards, probably around 50 yuan.

2. After the loss is reported and reissued successfully, a new card will be received in about 2 weeks.