After the credit card is lost, it should be reported in time before it can be reissued. It usually takes about 15 days to reissue a credit card, and users can activate it after they get a new card. When activated, the transaction password and inquiry password need to be reset, and the newly reissued credit card will inherit the attributes of the original card.
There are different ways to report the loss of credit cards, such as bank counter and telephone banking. Reporting the loss in time through manual customer service can prevent the credit card from being stolen by others and ensure the security of your account as much as possible. Generally, after reporting the loss by telephone, you should go to the bank to formally report the loss within three days, otherwise it will be unfrozen automatically.
Don't forget to return the credit card debt when you reissue the credit card. At this time, you can use mobile banking, online banking and third-party platforms. If you don't know the card number, you can call the bank's credit card customer service hotline for consultation. It should be noted that repayment through a third-party platform may require a certain handling fee.
Credit cards must not be overdue, otherwise there will be penalty interest. The longer the time, the more penalty interest will be generated, and the burden of repayment will increase in the future. After overdue repayment, the bank will collect it. In addition, the overdue records will be uploaded to the credit center by the bank, and the personal credit will become bad, which will affect the handling of various loans.
Credit cards should be used sparingly in daily life and should not exceed personal financial burden. Generally, the monthly consumption limit does not exceed 50% of an individual's monthly income. In fact, when an individual can't repay the loan on time, users can borrow money from friends around them to avoid overdue and return it to friends later.