How does ICBC change the card without changing the number?
You can refer to the following methods to change the debit card without changing the number:
1. Mobile banking: Please select the "Homepage-Account-More-Debit Card Change" function to handle the process;
2. ICBC Service WeChat Mini Program: Please select the "Change the card without changing the number" function to handle the process;
3. Business outlets: I bring my valid ID and original savings card to apply. Only some outlets in Ningxia and Zhejiang accept it.
Warm reminder:
1. It supports ICBC Wealth Card, Financial Management Gold Card and e-Age Card to apply for savings card without changing the number. Card numbers starting with 9 are not supported. Among them, the cards BIN621226, 622202, and 621225 can be exchanged for the Forbidden City Savings Card, and the card BIN621225 can be exchanged for the Kirin Savings Card. Please refer to the actual card replacement type, opening status and operation status;
2. If If the card is lost, it is not recommended to apply for card replacement through electronic channels. Please report the loss and apply for a new card as soon as possible;
3. Due to epidemic control reasons, the online application for card replacement without number change is temporarily closed in Shanghai. , and will be resumed in due course based on epidemic prevention requirements and logistics conditions.
How to change the bank card when it expires without changing the number?
If you need to change the bank card without changing the number, you can bring your ID card and bank card to a bank branch to apply for it, as long as the bank card does not exist If it is lost, you can apply for a card replacement without changing the number.
If the bank card is lost, you cannot change the card without changing the number. You can only apply for a new bank card. After the bank card is replaced, the card number will change and the previous business will be automatically transferred to the new card. , but third-party custody accounts need to be re-bound, such as stock accounts, futures accounts, etc.
Cancellation of bank card:
You must bring your valid ID card and bank card to the bank where you opened your account for cancellation.
1. For debit cards:
1 Go to the bank to cancel the account. If you know the password, there is no charge. However, for Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of Communications, China Construction Bank, Bank of China requires an annual debit card fee of 10 yuan/card_year, and the other four banks except Bank of China also require a small account management fee of 12 yuan/card_year. Other banks don’t want money.
2 Go to the bank to cancel the account. If you forget your password, it will be very troublesome. You need to report the password loss first, and you can cancel the account after 7 days.
3 If the amount in the card is very low, you can adopt the ignore policy. Except for China Construction Bank, other banks will automatically close accounts with no balance after reaching the "no balance" status for one year. China Construction Bank is more troublesome, but it does not close the account, and the annual fees and small account management fees have been increasing.
4 In any case, a debit card will not have a negative balance, it is a liability business of the bank, and the card owes the bank money
5 A debit card will never affect your personal credit record . Even if you adopt the ignore policy, you will not be blacklisted
2. Issues you need to pay attention to when canceling a credit card:
1. Pay off the card account first
Before canceling the card, the first thing we need to do is to pay off all the credit card accounts, including Annual fee, because if the annual fee is not paid, the cardholder will be considered overdue, and it will also affect the credit report.
2. It is not recommended to cancel an overdue credit card immediately
When canceling a card, the editor still does not recommend that you cancel an overdue credit card, because even if the card is cancelled, Overdue cards are still displayed on our credit report, so we recommend that you continue to use this type of card until the normal records overwrite the negative records, and then choose to cancel the card.
For cardholders who currently have negative records, it is more embarrassing, because of the upcoming new credit reporting regulations, the negative records will follow you for five years.
3. How to cancel the card
When canceling the card, we can choose to call the bank’s customer service number or go to the bank directly, but no matter which method is used, the bank will not accept the card cancellation. The card will be canceled within 45 days after the application, so as long as we make sure that after submitting the application, we must destroy the canceled credit card, that is, cut the card, to prevent someone with ulterior motives from obtaining your card during the cancellation period and thereby committing some illegal crimes. Behavior that harms the interests of cardholders.
What should I do if I change my bank card to a new one without changing my number?
There are two situations when I change my bank card without changing my number:
1. Yes Old card:
If the cardholder needs to replace the card with a new one because the old card is damaged or perforated, the cardholder should take the damaged card and his or her ID card and apply for a new card with the original card number at a nearby bank branch. The card can usually be issued within a week.
2. No old card:
If the cardholder needs to apply for a new card due to lost bank card, in most cases, the new card number will change, and the cardholder can also Get your new card in time. However, if the cardholder wants to keep the old card number, he or she must submit a reissue application with the original card number retained. Generally, a new card without changing the number can be obtained within 7 working days.
You need to go to the bank counter with your card and valid ID to handle the card replacement procedure. Just consult the relevant staff about this matter. The original card can still be used until the bank notifies you that the new card is available. To use it, go to the bank with the original card and valid ID to return the old card and receive a new card for use.
Extended information:
Business scope of China Construction Bank:
Personal housing loan business
Personal housing loan business refers to China Construction Bank or Construction Bank Banks are entrusted to issue loans to natural persons who purchase, build, and overhaul various types of houses in cities and towns in mainland China. China Construction Bank's personal housing loan business mainly includes self-operated personal housing loans, namely personal housing mortgage loans, provident fund personal housing loans and personal housing portfolio loans.
Starting on October 9, 2014. CCB supports the reasonable housing loan needs of households. For households purchasing their first home with a loan, the minimum down payment ratio is 30%, and the lower limit of the loan interest rate is 0.7 times the benchmark loan interest rate. It is determined based on the borrower's home purchase situation, credit record, repayment ability and other factors.
Credit card business
China Construction Bank, as one of the earliest state-owned banks in China to issue credit cards, already has many types of credit cards.
The credit cards issued by China Construction Bank are all named "Dragon Card". The types of Dragon Cards that have been publicly issued include: Dragon Card Prestigious School Card, Dragon Card Business Card, Dragon Card Car Card, China Eastern Airlines Dragon Card, Shanghai Volkswagen Dragon Card, Dragon Card Hong Kong Wonderful Travel Credit Card, CCB VISA Ming Card, eLong Changxing Dragon Card, Mango Travel Dragon Card, and Dragon Card Tennis Card.
Silver Star International Money Transfer
CCB Silver Star International Money Transfer Service is a personal international money transfer business jointly launched by China Construction Bank and Silver Star International Money Transfer Company. The customer entrusts Silver Star Express Company to handle personal overseas foreign exchange remittances or small-amount international remittances to remit personal foreign exchange funds overseas.
Service status
While consolidating traditional business advantages, emerging businesses such as investment banking have developed rapidly, achieving revenue of 3.203 billion yuan in 2008. By promoting corporate initial public offerings and refinancing, New financial advisory businesses such as mergers and acquisitions and restructuring, equity investment, and project financing continue to expand financial advisory customers such as AA-level and above customers, multinational companies, foreign banks, large and medium-sized enterprises, etc. Only the financial advisory business achieved fee income of 2.377 billion yuan, an increase of 16.510 billion yuan. .
A series of financial products tailored for small businesses continued to be introduced. By 2008, the bank's small business loan balance reached 249.532 billion yuan, an increase of 11.16% from the beginning of the year. Cooperated with Alibaba to develop products such as e-commerce joint loan and guarantee, Quick Loan and order financing, and issued loans of 520 million yuan to 175 customers within half a year.
The Bank was the first among its mainland peers to create a "Customer Reception Day" system, establishing a mechanism for managers at all levels from the head office, branches and sub-branches to regularly receive customers, making progress in personalized and differentiated customer services. On the one hand, branch transformation has been steadily promoted; on the other hand, a team of private banking consultants and experts has been established, and 81 wealth management centers and more than 1,570 financial management centers have been built. Private banks in Beijing and Shanghai have successively opened to provide exclusive financial management for mid-to-high-end customers. Comprehensive and personalized services such as products, asset management, consulting, and charitable trusts.
In serving the Olympic Games in 2008, in addition to actively handling foreign-related financial services such as foreign currency exchange, traveler's checks and foreign currency acceptance, it also launched the 95533 multi-lingual telephone banking service function to provide overseas customers with English, French , German, Russian, Japanese, Korean and other multi-lingual service support, and strive to improve the ability and level of serving overseas customers in China. At the same time, the mutual fee-free ATM cash withdrawal service developed in cooperation with Bank of America allows athletes and tourists holding Bank of America debit and credit cards to enjoy fee-free cash withdrawal services at CCB ATMs.
How to change a bank card without changing the number
There are two situations when changing a bank card without changing the number:
1. There is an old card: If the cardholder needs to replace the card with a new one because the old card is damaged or has holes, the cardholder should take the damaged card and his or her ID card and apply for a new card with the original card number at a nearby bank branch. Generally, the card can be issued within a week. .
2. No old card: If a cardholder needs to apply for a new card because his bank card is lost, in most cases, the new card number will change, and the cardholder can get the new card in time. However, if the cardholder wants to keep the old card number, he or she must submit a reissue application with the original card number retained. Generally, a new card without changing the number can be obtained within 7 working days.
When your bank card is accidentally lost, you should report the loss as soon as possible. Loss reporting is generally divided into temporary loss reporting and formal loss reporting.
1. Temporary loss reporting generally refers to verbal loss reporting over the phone. You can call the service hotline of the card-issuing bank. Some card-issuing banks' telephone loss reporting is effective in a timely manner. Some card-issuing banks only assist in preventing temporary loss reports and do not bear any losses. Temporary loss reports may be automatically lifted after the specified time exceeds.
2. Formal loss reporting refers to a written loss report. You can go to the designated outlet of the card-issuing bank. If the bank allows others to entrust others to handle the loss report, then when entrusting others to handle it, you should bring the cardholder's power of attorney and relevant documents. After formally reporting the loss, you should pay attention to the effective time of the loss report and the changes in funds in the account. If you find any suspicious transactions, you should promptly ask the bank to assist in the inquiry. If the amount is large, you can ask the public security department to file a case for investigation. If you find that your card is lost outside the location of the card-issuing bank, you should promptly report the loss at a designated outlet. The card-issuing bank can also provide appropriate emergency withdrawal services based on your requirements.
3. The cardholder is not responsible for the amount of losses caused by fraudulent use after the loss report is officially effective. When you apply for a bank card, you can fully enjoy the various service functions of each card-issuing bank, such as the SMS reminder service provided by many card-issuing banks. You can apply to the card-issuing bank to activate the instant SMS reminder service function for changes in the balance of your bank card account. Keep track of the changes in the funds in your bank card at any time, which can prevent you from losing your bank card. You can use SMS reminders to detect abnormalities and contact the issuing bank immediately to stop bank card theft in a timely manner, control risks, and reduce bank risks. The loss caused by the loss of the card. Reporting the loss of your bank card password can be handled through the branch of your nearest card-issuing bank, and some banks can handle it over the phone through their customer service center. After the bank accepts the application, it can reset a new password for you, and the original password will become invalid immediately.
How to change the China Construction Bank card without changing the number?
If you hold a bank card from China Construction Bank and need to change the card but not the card number, you can follow the steps below:
1. Bring the original bank card and valid ID to CCB Bank branch;
2. Explain to the counter staff that you need to change the card but not the card number;
3. Fill in the card replacement application form and perform identity verification;
4. The staff will help you replace the card in the system and issue the new card to you;
5. After activating the new card, it can be used normally.
It should be noted that different banks may have different processing procedures and requirements. You can consult China Construction Bank for relevant information before processing to better complete the card replacement operation. In addition, it is recommended that you bind the new card to your account in time after changing the card to ensure the normal use of the account.
How can I change the ICBC bank card without changing the number?
To change the ICBC bank card without changing the number, you need to go to the bank to apply for it, but there is a way to change the credit card and debit card without changing the number. limit.
No change in credit card number when replacing a credit card
1. Under normal circumstances, the new credit card will be of the same brand as the original card and the card number will remain unchanged;
2. If the original card type has been discontinued, other cards of the same grade and brand will be issued, and the card number will be changed.
In addition, if a credit card is reissued after being reported lost or counterfeit, the card number will also change.
No number change when changing a debit card:
1. Currently, only debit cards starting with “62” can be applied for;
2. Determining the degree of card damage Please refer to the actual processing at the business outlet;
3. The acceptance outlets in Zhejiang, Sichuan and Ningxia are different. If you need to know more, please edit the text message "Manual Service" and send it to 95588 for consultation.
Extended information
Regulations on card replacement when reporting loss:
1. Deposit card, after officially reporting the loss, please bring your valid ID to any personal business here or elsewhere. Apply for a new card at an outlet.
2. For a credit card, please go to the designated outlet to reissue it. You can call 95588 manual service consultation network. If the account has not been reported as lost, it is recommended that you apply for it as soon as possible~
Warm reminder:
1. Please refer to the staff’s prompts for the time to replace a new card;
2. After reporting the loss of your credit card through telephone banking, you do not need to submit a loss report application form to apply for a new card;
3. The document requirements for military and armed police customers are different.
Industrial and Commercial Bank of China China Website - How to change the debit card without changing the number
Industrial and Commercial Bank of China China Website - Will the card number change after replacing the credit card?
Industrial and Commercial Bank of China China website - Provisions on reporting loss and replacement of cards