China Construction Bank Credit Card:
Puka: Before reporting the loss, only overseas stolen brushes will be compensated, excluding internet, telephone and ATM transactions, with a maximum compensation of 5,000 yuan.
Gold card: only overseas stolen brushes are compensated before loss reporting, excluding internet, telephone and ATM transactions, and the maximum compensation can be 10000 yuan.
Platinum card: before reporting the loss, only overseas stolen brushes will be paid, excluding internet, telephone and ATM transactions, with a maximum loss of 20,000 yuan.
It can be seen that CCB's credit card loss protection business is only aimed at the case of being stolen in consumption abroad, so it is necessary to remind cardholders to pay attention to the safety of using the card when spending in China.
China Bank Credit Card:
Platinum card: you can get compensation for stolen cards within 72 hours before reporting the loss, excluding internet, telephone and ATM transactions. The maximum compensation limit is 20,000 yuan for the Supreme Edition and 1 10,000 yuan for the Elite Edition.
Note: China Bank's Puka and Jinka credit cards do not enjoy card loss protection. Therefore, when using the card, we must also ensure the safety of using the card.
Bank of Communications Credit Card:
Puka and Gold Card: Bank of Communications launched "worry-free card use" guarantee. After opening, the 4 yuan service fee will include 72 hours of card loss guarantee every month, excluding network, telephone and ATM transactions, with a maximum compensation of 40,000 yuan.
Platinum card: you can get compensation if it is stolen within 72 hours before reporting the loss, excluding internet, telephone and ATM transactions. The maximum compensation limit is 100000 yuan.
The "card-free" security guarantee launched by Bank of Communications is also a good service. If the credit card overdraft limit is high, you can consider opening this business to reduce losses.
China Merchants Bank Credit Card:
Puka: you can get compensation within 48 hours before reporting the loss, excluding internet, telephone and ATM transactions. The maximum compensation limit is 10000 yuan.
Gold card: compensation can be obtained within 48 hours before loss reporting, excluding internet, telephone and ATM transactions, with the maximum compensation limit of 15000 yuan.
Platinum card: you can get compensation within 48 hours before reporting the loss, excluding internet, telephone and ATM transactions. The maximum compensation limit is the credit limit of this card.
By comparison, we can see that the time limit for China Merchants Bank to enjoy card loss protection is relatively short, only 48 hours, while most other banks have 72 hours, and some banks have no time limit. Therefore, remind card friends that once the credit card is stolen, you should call customer service to report the loss in time.
In addition, as far as I know, ICBC and China Everbright Bank have not yet launched the card loss protection service, so cardholders who use the credit cards of these two banks must pay attention to the safety of using their cards when spending by credit card or paying online.