You can call the bank to which the credit card belongs to report the loss. The bank will then create a new card and mail it to you.

If someone else uses their own credit card to make purchases and does not repay the money, it is recommended to pay off the credit card debt first, and then ask for money from the other party. If the credit card is not paid back, the bank will hold the cardholder responsible, and if it is overdue, High interest rates and credit problems will arise.

1. Negative information such as late repayment is not permanently recorded in an individual’s credit report. my country’s current credit record retention period is five years. After paying off a credit card, anyone can start building their credit history all over again.

2. Whether it constitutes a criminal offense and whether you will be imprisoned depends not only on the time of arrears, but also on the principal amount of the credit card arrears.

3. If the principal amount of the debt is more than RMB 10,000 and is not returned for more than 3 months after being called upon twice by the issuing bank, it shall be deemed as a "malicious overdraft" under the criminal law and suspected of credit card fraud. If a crime is committed, he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention according to law, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan.

4. As a result, the credit card will be frozen and cannot be used, and negative information such as overdue repayment will be recorded in the personal credit report.

5. If the amount of malicious overdraft is relatively large and all the overdraft interest has been repaid before the public security organ files the case, and the circumstances are obviously minor, criminal liability may not be pursued in accordance with the law.

: What should I do if my credit card is overdue?

A credit report will be filed when a credit card is overdue for about 1-3 days. Currently, various banks have varying degrees of grace periods for credit card repayments. As long as the repayments are made within the grace period, overdue records will not be reported to the central bank, and overdue records will not occur.

How can I negotiate with the bank for repayment if my credit card is overdue?

Using credit cards for consumption should be said to be a very common phenomenon. The main reason is that credit cards can be used for consumption first and repay later, which meets the urgent needs of many people for money. And there are almost no restrictions on consumption, as long as the repayment is made in time on the repayment date. But in fact, for a large number of people, they do not have the ability to repay in time after consumption, so overdue situations will occur.

Because credit cards are linked to personal credit reports, once they are overdue, they will easily affect personal credit reports and have some negative effects. Therefore, when the credit card is overdue, in order to avoid personal credit reports, If there is a problem with the letter, the most important way to deal with it is to negotiate and communicate with the bank.