After the credit card is reissued, the cardholder can repay the credit card arrears through different channels such as bank counters, online banking and third-party payment platforms. And you must know the credit card number when you return it, otherwise you can't repay it. If you don't know, you can call directly for advice.
Credit cards must not be overdue when they are reissued, because there will be penalty interest after overdue repayment, and the longer the time, the more penalty interest will be generated. At this time, repayment will increase the repayment burden, and if it is not repaid for a long time, the bank will collect it, which will have a certain impact on the normal life of individuals.
It should be noted that after the credit card is overdue, it will be uploaded to the credit information center by the bank, and the credit information will become bad, which will affect the handling of various loans. And this record will be kept for five years after the overdue arrears are returned. After five years, this record will automatically disappear from the credit information, or it will always exist.
After the credit card is reissued, it takes about half a month from business card printing to card issuance, and it is relatively slow to issue cards by ordinary mail when issuing cards. The area is not too far away, and it will be received in a week. If it is a remote area, it will take more than a week, such as Xinjiang and Tibet. How soon you can receive a new card depends on your area.
Users should report the loss of their credit cards in time to avoid the theft of credit cards, because transactions can also be completed by using credit card numbers, security codes and expiration dates, which is also the reason why many credit cards are stolen. Generally, you can erase the security code to avoid being stolen. After all, the possibility of being stolen is very low, and this part of the money needs to be shared by users.