Many cardholders will call to report the loss of their credit cards. If they don't want to use the card, they will cancel the reported credit card to avoid information leakage. However, many people are not very clear about the loss reporting and cancellation of credit cards, such as how to report the loss and whether it can be restored after cancellation. Let's have a look.

1. How can I cancel my credit card if it is reported lost?

There are often card friends who think that they can't use the card after reporting the loss, so they can not cancel it. But this is not the case. Credit card cancellation stopped completely. If there is no other credit card in your name, you need to apply for a new card if you want to use it again. Reporting the loss of a credit card is a temporary suspension of payment, and you can apply for a new card to continue using it, so reporting the loss does not mean cancellation. If you want to cancel, you must call again.

It should be noted that cancellation can only be carried out without arrears. If the cardholder fails to meet the conditions of annual fee reduction and exemption before cancellation, the annual fee can be charged according to the number of months of use. If the cardholder has no time, some banks can also cancel the credit card on his behalf, and the agent needs to bring his valid ID card and credit card to the designated business outlets.

2. Can the credit card be restored after cancellation?

Different banks have different regulations, and many banks can't resume as long as they are officially cancelled. If you want to use this card, you must submit a data application again.

There is a grace period after the cancellation of Industrial Bank. As long as the main card is not cancelled for 90 days, the card return business can be cancelled, and the bank will reissue a card, so the card number will change; If the account is cancelled after more than 90 days, the card can not be returned, and only a new card can be processed if necessary.