What should I do if my credit card is swallowed?

Keep in mind which branch and which ATM machine the card was used at. Then bring your valid ID to get the card the next day!

What to do if your credit card is swallowed

It refers to the loss reporting and freezing. First, you report the loss of your credit card verbally through the customer service phone. It is a protective measure for your account. If the query does not work, After issuing the receipt and bringing your ID card with you tomorrow, you can go directly to the branch where the ATM machine is located to get your credit card back, and also apply for an unblock

Remember to accept it

What to do if your credit card is swallowed

If your China Merchants Bank credit card is swallowed at our ATM machine, and there is no CMB counter next to the machine, please provide the specific location where the card was swallowed. We will try to verify it for you later. At the same time, It is recommended that you contact the customer service hotline of the credit card center to protect your card. If your China Merchants Bank credit card is blocked at an ATM machine of another bank, it is recommended that you first call the customer service hotline of our bank's credit card center to protect your card, and then call the other bank's customer service hotline to inquire about the cancellation of the card.

What should you do if your credit card is stolen by an ATM machine?

You need to contact the bank that swallowed the card. They may ask you to provide proof that the credit card is yours. You need to ask the card issuer for it.

What to do if your inter-bank credit card is swallowed

You need to apply for credit card certification at your bank. Bring your ID card, go to the computer system of the original bank counter to search for your card, and ask the original bank to provide you with proof of card collection (it is best to bring the receipt for the card). Take the card to prove your ID, and then go to the counter of the bank that swallowed the card to collect the card ( It is best to bring the receipt for swallowing the card)

According to the new "Measures for Card Swallowing in Inter-bank Bank Card Business", bank cards issued by UnionPay member institutions are used for inter-bank ATM transactions. If the PIN is entered incorrectly or the number of times is entered incorrectly by the card issuer, or the magnetic stripe information is incorrect, the magnetic stripe is damaged, the card is expired, the card is invalid, and other reasons, the transaction can be refused, but the card swallowing instruction is not allowed. However, problems that arise during the ATM transactions in the bank's system will still be handled according to the internal management methods of each institution.

Therefore, please note: First, confirm whether the magnetic stripe of the card you hold is damaged and whether the card has expired, and do not use it rashly. Second, pick up the card in time after completing the transaction. If you forget to pick up the card, the ATM will automatically swallow the card 30 seconds later to prevent it from being picked up by others. Third, once a card is swallowed, you must keep the receipt printed by the ATM after the card is swallowed, go to the bank branch with your valid personal ID to get the card back in time, and change the withdrawal password.

What should I do if the ATM machine "eats cards"?

According to the "Measures for Card Swallowing in Inter-bank Bank Card Business" implemented on May 1, 2003, during the inter-bank transaction process, when the ATM machine fails, the cardholder makes an operation error, or the card issuing bank issues a card swallowing After the instruction, the ATM will swallow the card. When the cardholder's password is entered incorrectly or the number of times exceeds the card issuer's regulations, or the magnetic stripe information is incorrect, the magnetic stripe is damaged, the card is expired, the card is invalid, and other circumstances, the card issuer can reject the transaction, but it is not allowed to send a card swallowing instruction. The scope of application of this measure is limited to problems that arise during inter-bank ATM transactions with bank cards issued by member institutions of UnionPay.

What should the cardholder do when a card is swallowed during an inter-bank bank card transaction?

China UnionPay’s answer: If the ATM machine swallows the card due to non-issuer requirements, the cardholder should present his or her valid identity document and other documents that can prove that the card holder is the card holder within 3 working days after the card is swallowed. If you have the necessary materials, go to the branch of the ATM to go through the card collection procedures; when entrusting another person to collect the card on your behalf, you must also present the valid identity document and authorization letter of the representative. When the cardholder is unable to collect the swallowed card due to reasons such as exceeding the card collection time limit, the cardholder must consult the card issuer and go through relevant procedures.

If the swallowed bank card is not collected within three working days after the inter-bank bank card transaction occurs, the card will be destroyed.

This is taking into account that most of the swallowed cards are currently concentrated in inter-bank transactions in the same city. At the same time, in order to reduce the risk that swallowed cards will be kept in bank branches for too long and may occur during the transfer process, the newly released "Bank Card Swallowed Cards in Inter-bank Business" The Measures stipulate that within 3 working days from the day after the card is swallowed, the cardholder can go to the card swallowing outlet to claim the card with a valid ID. If no one claims the card after the time limit, the agent bank will no longer return the swallowed card to the card issuer. The bank directly cuts the corners.

What should I do if my CCB credit card is swallowed?

There will be a customer service hotline of the bank on the machine. Call its customer service hotline directly, and then according to the other party's request, go to the designated outlet within the designated time to collect it.

In addition, in order to ensure the security of the credit card account, the CCB credit card customer service hotline was also called to temporarily control the card. The control will be lifted after the card is retrieved.

What should I do if my credit card is used by an ATM?

If it is a China Merchants Bank credit card, to cancel the card, you need to contact the bank where the machine is located to confirm the receipt of the card, or directly cancel the card and apply for it again.

What to do if your credit card is swallowed during repayment?

No, most banks will send you a text message three days in advance to remind you of the repayment. Furthermore, card swallowing is a normal and objective phenomenon. Overdue payment is caused by your lack of subjective awareness and failure to repay in time due to personal reasons. Of course, it has nothing to do with the bank.

What should I do if my China Merchants Bank credit card has been swallowed?

If it is an off-site self-service bank, you can find the customer service number of the China Merchants Bank branch in your city. Generally, dial 11811 or 12580 to find out if it is not 95555. It is the landline number in your city or go to the nearest China Merchants Bank. Ask the branch of the self-service bank in the business hall. If it is a self-service service, you can go directly to the business hall and ask. If the card and money are swallowed, the machine should be temporarily out of order. China Merchants Bank's machine cleaning center may temporarily clear the machine and help you get the card. It is impossible to save money. You will be refunded as much as you put in. Of course, we do not rule out the possibility that the cleaning center will clean the machine regularly. As far as I know, the cleaning center cleans the machine every Tuesday. Some people may ask why it is not Monday. I think all office workers can understand that Monday and Friday are probably the busiest times for the company, and the same is true for China Merchants Bank! Don't worry, the host, there will be no shortage of money. In addition, it is impossible for 95555 customer service to give you a clear answer. It is better for you to contact the branch of China Merchants Bank where you are located, or the branch of the self-service bank! Note: There is a difference between branches and sub-branches. The branch has the highest executive level in your city! Of course, except Shenzhen, where the head office is!

The credit card was swallowed by the ATM! What should I do?

Contact the customer service personnel of the bank where the machine is located. If there is a counter next to it, you can contact the counter personnel.

What to do if the bank eats your card

1. What to do if your bank card is eaten

1. Stay calm and don’t panic. Don't worry about the money in your card being withdrawn and used, because once the bank card is swallowed, the card will be automatically frozen and no one can withdraw the money.

2. First remember the location of the ATM where your card was swallowed, and confirm that your card has been swallowed by the ATM. These two must be confirmed.

3. Then you can report the loss verbally. To report the loss verbally is to call the bank customer service and tell her that your card has been swallowed and you need to report the loss. Then the bank customer service will check your identity information, and after confirmation, the card can be temporarily reported as lost. Then no one can touch this card.

4. If the card is swallowed at the ATM where the bank card belongs, it will be easier to handle. Bring your original ID card and pick it up in a few days at the business office where the card was issued. I need to remind you that after a bank card is swallowed, the bank's staff will go to the ATM to take out the swallowed card. This will take a certain amount of time. You need to ask the bank customer service how many days it will take to complete the process. Manage your own time.

5. If the bank card and the ATM are not from the same bank, it will be a little more troublesome. You need to bring your ID card to the bank business hall where the bank card belongs to apply for a loss report certificate. This is relatively quick.

6. After getting the certificate issued by the bank, go to the bank of the ATM where the card was swallowed to get the bank card. At the place where you pick up your bank card, the customer service will send a text message to your mobile phone, and there will also be a time limit. Follow that text message and you will be able to get the bank card smoothly. Note that this will have a certain time limit.

2. What should I do if my ICBC card is swallowed?

If the card is swallowed and the teller will issue the card receipt, you can bring your ID card and credentials to the teller machine the next day. If you don’t have an ID card, it will be difficult to get your stolen card back at a savings outlet. The bank will not return the card to you. If you cannot get the card back, you can also report the loss. If If you report the loss, you can first ask the school what document was used to open the account when applying for the card. If it is an ID card, then you have to apply for an ID card (note, the student ID card is not a valid document, and the household registration can be used as a valid document. (but the bank shall refer to the account opening certificate at that time). After preparing the certificates, prepare two copies of the certificates and go to the savings branch of the original bank where the account was opened. After paying ten yuan, you can go through the loss report procedure. It will take seven days to complete the loss report. You can then go to the original loss reporting outlet to apply for a new card.

3. What should I do if my ICBC card is swallowed?

4. What should I do if my bank card is swallowed by an ATM?

If my bank card is swallowed by an ATM, the cardholder will find the bank as soon as possible. As long as the identity information is correct, The card will be returned to the cardholder after the bank clears the machine.

After a bank card is swallowed, citizens should report it to the bank immediately. If it is during working hours, the card can be withdrawn quickly. If it is during non-working hours, you should call the 24-hour service hotline in time and operate under the guidance of customer service staff.

Because only professionals can open bank ATMs, citizens can only collect their cards at the counter with a valid ID within working days after their cards are swallowed.

After the user’s card is swallowed, they definitely hope to get it back as soon as possible. If they cannot get it to the bank in time, bank staff will keep it for them. We hope that citizens will not have to worry about the safety of their bank cards.

Extended information:

Many citizens have had their bank cards swallowed by ATM machines. Some are afraid of causing financial losses to themselves, and others are worried that there is something illegal. The elements are setting up traps to steal money.

In this regard, the banking department analyzed several reasons for card swallowing and explained that users do not need to worry. It will be a little more troublesome to retrieve the card if it is swallowed, but it will not cause financial losses to the user. We haven't found any criminals using this for their own purposes.

If a bank card is reported lost and the loss report has not been lifted, the card reported lost will be automatically swallowed once it is inserted into the ATM. This setting is for security reasons, because most bank card loss reports are due to If it is stolen or lost, this can prevent others from taking the money with the card reported lost.

Sometimes card swallowing may also be a user operation problem. If the operator does not perform the next step of operation within the time specified by the machine, the machine will swallow the card. This is mainly because the customer may have left the ATM. If you forget to put your card, if there is someone behind you, it is likely to cause financial losses to the customer.

Reference materials:

People's Daily Online: The bank explained in detail the reason for swallowing the card, saying there is no need to worry about security issues

People's Daily Online: A complete guide to using bank self-service equipment, the ATM machine is empty My bank card has been swallowed

5. My bank card has been swallowed, what should I do?

The bank card (including China Merchants Bank and other banks) failed to be taken out after a timeout at the self-service equipment of China Merchants Bank. If you swallow the card, you can try self-service card collection:

90-second self-service on-site card collection: enter the correct withdrawal password within 90 seconds after swallowing the card to get the card at the machine, enter the wrong password once within 90 seconds or fail to enter it after timeout Password or press the "Cancel" key on the PIN pad, the machine will swallow the card;

All-time self-service on-site card collection: Enter the last 4 digits of the withdrawal password on the original card swallowing device within 7 days after swallowing the card. Card, if the password is entered incorrectly (2 chances), the device will swallow the card.

Situation 1: If your China Merchants Bank card is swallowed by the ATM machine of China Merchants Bank, the solution is:

If there is a China Merchants Bank branch nearby, please contact the branch staff directly for the fastest processing ;

If there is no China Merchants Bank branch, please dial 95555 to enter manual consultation and feedback, and then go to the designated branch to collect the card.

Tip: If the CMB credit card is swallowed at the CMB ATM, the card will be kept at the designated branch for 7 working days after being taken out. Please collect the card within the specified time after receiving the card collection notice. If the card is not collected within the time limit, it will be destroyed. Please contact the credit card center to get a new card.

Situation 2: The China Merchants Bank card has been swallowed at another bank’s ATM. It is recommended that you first dial 95555 and select "4" to report the emergency loss to ensure the safety of your funds, and then contact the other bank to inquire about card collection. If it is inconvenient to go to the other bank to get the card, you can go directly to the counter of our bank with the account opening certificate to apply for a reissue of the card (if it is a credit card, please contact the Credit Card Center at 4008205555 for a reissue).

Warm Tips

If the other bank requires proof when collecting the card, you can print the account certificate as proof at any CMB branch with your original valid ID.

Situation 3: A card from another bank is swallowed by China Merchants Bank. The solution is:

Call the issuing bank’s customer service number to report the loss of the card to ensure account security;

Call China Merchants Bank’s customer service hotline 95555 to verify the card collection. You cannot collect the card on your behalf;

The card will be retained for 21 days after the card is swallowed. If it expires and is not collected, it will be destroyed by the branch;

Card collection Please bring your original valid ID to the corresponding card-collecting branch of our bank to collect the card. You may be required to provide an account certificate. We recommend that you contact the corresponding card-collecting branch to confirm.

6. What to do if your bank card is swallowed? Under what circumstances will your bank card be swallowed?

First, don’t worry, because this bank card is operated by the bank’s internal machine. At that time, a situation occurred. In order to ensure the safety of your property, the bank's automatic teller machine has swallowed your bank card, which also affects the safety of your property. This is not caused by your operation, but by the bank machine. The reason is that at this time, your card is already in this ATM and you don't have to worry because your property is safe.

Second, if the ATM is located at a branch of a bank when you withdraw money, you can go to the branch of the bank where the ATM is located and get your money back. card. (You can get the card)

Third, your bank card is safe inside the bank and there will be no loss. You can go to the bank branch with your valid ID on working days. Go to a bank branch to pick up the card.

Under what circumstances will a bank card be swallowed?

Generally speaking, bank self-service equipment will swallow cards when the following three situations occur: First, the cardholder makes operational errors, such as not taking out the card within the time limit, forcibly inserting the card, etc. After the card is returned, If the card is not taken away within 30 seconds, the card will be swallowed automatically. Secondly, according to the requirements of the issuing bank, cards with abnormalities will be swallowed, such as cards reported lost, stolen, fraudulent cards, etc. Thirdly, ATM machines Or the system fails.

Except for a small number of equipment faults, card swallowing is basically due to customer operational errors, such as concentrating on counting money without taking care of taking out the card, forgetting to take the card after withdrawing money, etc. The proportion of card swallowing caused by "forgetfulness" is nearly 90%. If the bank card is swallowed, the cardholder can only go to the designated outlet with valid documents to handle it.

My ICBC credit card was used by an ATM machine, what should I do?

Friends who often use ATM machines should know what card swallowing is.

In order to protect the user's information, each operation of the ATM machine is time-limited, usually around 30 seconds. If there is no operation for a long time, the card will be swallowed by the ATM machine. There is no way for the user to take out the bank card.

The ICBC credit card has been swallowed by an ATM machine. If you are using an ICBC ATM machine to handle business, you must call ICBC customer service 95588 immediately after the card is swallowed. You can find the customer service of the corresponding service outlet on the ATM body. Telephone.

Tell the customer service staff your ID number, contact number and the location of the card-taking machine.

If you are using an ATM machine from another bank, you should call the customer service of the bank where the ATM machine belongs to for help after your card is swallowed. Inform customer service of your bank card, card-issuing bank, personal ID number and contact number, as well as the location of the ATM machine that swallowed the card.

Generally speaking, banks will check whether there are swallowed cards inside the ATM machine every once in a while, and then return them to the bank branch. When your credit card is recovered by the staff, they will contact you promptly based on the personal information you provided. Generally, you have to go to the counter to get back a swallowed card.

I remind:

In fact, the credit card being swallowed is just an operational error and will not have any impact on your credit or card use. Since the structure of the ATM machine is very advanced and security measures are in place, you don’t have to worry about the swallowed card being taken away by others.

However, I have also seen special situations in the news. When someone was withdrawing money, his bank card was swallowed. After leaving for a few minutes, the ATM machine automatically spit out several thousand yuan. Therefore, once your credit card is used, I suggest you wait there for a while to make sure that the ATM machine has returned to normal before leaving.

My Rural Credit Union card has been blocked, what should I do?

You need to consult the bank staff on the date when the card can be collected and the required procedures, and then follow the requirements to collect the card.

Knowledge expansion:

Reasons for bank cards being swallowed

1. ATM teller machine failure:

If the card is used, the ATM If the teller machine malfunctions, the bank card will be swallowed into the machine.

2. Operational errors:

When an individual inserts a bank card into an ATM teller machine, if the card is not taken out within the time limit or the card is forcibly inserted, the bank card will be swallowed. In addition, if the card is not removed within 30 seconds after withdrawing the card, the ATM will automatically swallow the card.

3. Abnormal bank card:

If there is an abnormality in the bank card inserted by an individual at an ATM teller machine, the card will also be swallowed. For example, the inserted card is a reported lost card, stolen card, fraudulent card, etc.

Solutions after card swallowing:

1. First of all, don’t panic. When an ATM machine automatically swallows a card, the system will generally freeze the account automatically, which will not cause any loss of funds. You just need to confirm whether the card has actually been swallowed.

2. After the bank card is swallowed, the self-service machine will print out a slip. You can take this slip and your ID card (if you are not the card owner, you need to contact the card owner to apply) and go directly to the counter. Just go through the relevant procedures. Or call the bank customer service number that pops up on the self-service machine, explain the situation, register the phone number, etc. Be sure not to randomly call the posted phone number, especially the posted mobile phone number.

3. Nowadays, there is usually an emergency contact intercom in front of the self-service machine. If you press the button directly, it will call the bank's ATM monitoring room number. After explaining the situation, the person on duty will help contact the bank personnel to handle it.

4. If the card swallowed by the ATM is a card from another bank, the card owner must take his or her ID card to the bank where the bank card belongs to print out his or her recent statement or the certificate that other banks need to issue, and then go to the bank where the card belongs. Get the bank card from the bank of the ATM that swallowed the card.

5. If you forget to take out the card after depositing and withdrawing money and it is swallowed, if someone finds out before "swallowing the card" and continues to perform malicious operations to withdraw money, it will cause you financial losses. However, now deposit and withdrawal machines are equipped with cameras, and the system will also record the withdrawals of each card account. You can apply to relevant departments to retrieve surveillance video.

What should I do if my credit card is blocked? Teach you step-by-step how to get the card

Many cardholders often insert their credit cards into the ATM machine to handle repayments, inquiries and other services. However, if the operation is incorrect, for example, if the number of consecutive incorrect transaction passwords reaches the upper limit, the ATM will be blocked. The machine is stuck. In this case, we need to go to the bank to collect the stolen credit card. Let’s take a look at how to handle it.

How do I take out my credit card?

The reasons for credit card swallowing can be divided into three main types. One is caused by the cardholder's operational errors, such as entering the wrong password more than three times in a row, failing to pick up the card after timeout, forcibly inserting the card, etc.; It is a malfunction of the ATM machine or system; another is an abnormal status of the credit card, such as a lost card, a counterfeit card, or a frozen card.

If your credit card is swallowed due to the above situation, don’t panic. The swallowed card will be placed at the ATM management office by bank staff. The funds are safe and you only need to bring a valid identity. Just go to the bank and get the documents back.

As for how to get the card specifically, it can be divided into three situations:

1. If the card is swallowed during bank business hours and there is a bank branch next to the ATM machine, you can Go to the bank branch to contact the staff the next day, show your valid ID card to the staff, and the staff can get your credit card back after verifying the identity information;

2. If you are not at the bank when the card is swallowed During business hours or on weekends, you need to go to the branch where the ATM machine is located to retrieve your credit card with a valid ID card on the next working day.

3. If the card swallowing time is outside bank business hours, and there are no bank outlets next to the card ATM, it is best to call the bank phone number next to the ATM and ask the staff how to get the card, and then go to the bank During business hours, bring your valid ID card to the designated bank outlet to pick up the card.

The above is the relevant introduction to "What to do if your credit card is swallowed up". Under normal circumstances, if you want to swallow a credit card, you must go to a bank branch to pick up the card in person. If you don't have time, you can also entrust others to help pick up the card. You need to provide the cardholder's valid ID card and the agent's valid ID card, and The agent signs for receipt.

Why is the credit card used? There are several reasons.

Many friends often use credit cards to repay or withdraw cash at ATM machines. If the operation is incorrect, the credit card may be blocked. Many cardholders don't know why their credit cards are blocked. Here are the reasons and solutions.

1. Why are credit cards used?

1. Enter the wrong password more than three times in a row: that is, if you enter the wrong password for your credit card the first time, and if you enter the wrong password the second or third time, your card will be blocked. If the first input is wrong, the second input is correct, and the third input is wrong, this does not count as continuity and will not be blocked.

2. Failure to pick up the card after timeout: After the credit card business is successfully processed at many ATM machines, there will be a countdown to pick up the card. If the card is not picked up after the time, the card will be automatically swallowed.

3. The status of the credit card is abnormal: For example, if the credit card is a lost card, frozen card, etc., if the card information cannot be read when the card is inserted into the ATM machine, the card will be swallowed automatically.

4. ATM machine failure: For example, if the ATM machine system fails, if you insert a card on it, the card will definitely be swallowed.

2. How to withdraw the card if the credit card is swallowed?

If your credit card is debited on a working day and the ATM is in an outlet, you can bring your ID card directly to the outlet to find the lobby manager and ask the teller in charge of the ATM to open the AMT machine and take out the credit card. , but some may not be opened until the cash is counted after get off work. Anyway, it depends on the bank's regulations.

If your card is taken away on the weekend and there are no bank branches nearby, then call the ATM machine to inquire about how to get the card. The staff will tell you where to pick up the card, the time to pick up the card, and what to bring with you. Proofs, etc. Anyway, just follow what others say.

This is the introduction of what to do if your credit card is swallowed up.

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