Bank card loss reporting is generally divided into telephone loss reporting and counter loss reporting. After these two methods are reported, the recovery methods are also different:

1. Report the loss by telephone. After the user reports the loss of the bank card by phone, as long as the user does not apply for a new card within 3-5 days, the loss will be automatically released, so the new card that was previously reported can naturally be reused;

2. Go to the counter to report the loss. If the user reports the loss at the counter, he can cancel the loss reporting operation at the counter again before the new card is reissued.

Extended information:

Bank card refers to an approved credit payment tool issued by commercial banks (including postal financial institutions) to the society, which has all or part of the functions of consumer credit, transfer settlement and cash deposit and withdrawal.

The bank card reduces the circulation of cash and checks, which makes the banking business break through the limitation of time and space and bring about fundamental changes. With the application of bank card automatic settlement system, the dream of "no cheque, no cash society" has become a reality.

Bank card application and loss reporting

Apply for a bank card

The process of applying for a credit card and a debit card is different.

When handling a credit card, you need to bring your valid certificate (ID card or copy of ID card or household registration book or copy of household registration book), residence certificate, unit income certificate or personal assets certificate, etc. To apply to a card issuer, you need to fill out an application form, and the information required in the application form is true.

After filling out the application form, you should go to the head office of the bank where you open the account for the record. It will take about 20 working days to issue a card to the customer after the head office of the deposit bank examines the application materials. Credit cards can only be handled by customers over 18 years old, and minors are not allowed to handle credit cards.

Applying for a debit card is relatively simple. Just bring your valid ID card or household registration book and fill in the application form at the bank where you open the account, and you can issue the card to the applicant.

There is no age limit for applying for a debit card, and minors can also apply. /kloc-When customers under the age of 0/6 apply for debit cards, the guardian should go to the counter of the bank branch with the household registration book (if they are not in the same household registration book, relevant certificates should be provided), and the person being processed may not be present;

Minors who have reached the age of 16 but under the age of 18 can apply for debit cards at the bank counter by themselves with their work certificates and ID cards. If you don't take part in the work, you still need the assistance of your guardian, and the treated person can be absent. At least 18 years old, you can apply for a debit card directly with your ID card at the bank branch counter or self-service card machine and get it immediately.

According to national regulations, debit cards handled by minors do not have online banking function and cannot be bound with mobile payment software.

Lost bank card

The reporting procedures of major banks are not exactly the same. If lost, you can report the loss temporarily by telephone or online banking, and then bring your ID card and other supporting materials to the bank counter to report the loss.

What should I do if my credit card is reported lost?

There are several ways to report the loss of bank cards:

1. Go to the bank branch counter. With my valid ID card, I can report the loss temporarily or officially by going to the counter of the nearest bank outlet and filling out the relevant application form as required.

2. Call the bank customer service to report the loss. Call the bank customer service number and report the loss orally. Self-service voice processing can also be done manually. When reporting the loss, you can also choose to report the loss temporarily for 7 days; If you still need to report the loss after more than 7 days, you need to go to the bank with your ID card to formally report the loss and change the card before the oral loss becomes invalid. If the bank card has been found, it can be used normally until the oral loss report fails.

3. Report the loss through mobile banking/online banking. Take China Merchants Bank (Android version: 9.5. 1) as an example: log in to the mobile App of China Merchants Bank, click "My"-"Bank Card", and click the bank card that needs to be reported for loss. If you report the loss of a credit card, just click "More Functions"-"Report the Loss of Card"; Click "One-click Lock Card"-"One-click Report Loss" to report the loss of the savings card.

1. Report the loss of the bank card and reissue it. The rules of all banks are similar. Divided into temporary loss reporting and long-term loss reporting. Temporary loss reporting is 7 days, and long-term loss reporting after formal loss reporting is invalid. Generally speaking, it takes 7 days to report the loss orally and in writing, subject to the formal written report. After the formal written report of loss, the oral report of loss will automatically become invalid. If there is no written report of loss, the frozen account will be automatically released after the validity period, and you can continue to report the loss orally.

2. How does the bank cancel the loss reporting: If the user reports the loss temporarily, it will automatically cancel the loss reporting after 7 days; If the user reports the loss permanently, the user needs to bring his ID card and bank card to the bank counter to report the loss and cancel it. After the loss report of the bank card is cancelled, the functions such as bank card and electronic banking will be restored immediately. It should be noted that the loss reporting and cancellation business cannot be handled by the agency. After the bank card is lost, it should be reported to the bank as soon as possible to prevent criminals from obtaining funds through illegal means and causing their own economic and property losses.

How to report the loss of credit card

Report the loss of your credit card as soon as possible to avoid being stolen by others. So, how do you report the loss of a credit card? Let's have a look.

After the credit card is lost, you can immediately call the credit card customer service phone to report the loss. ++If you don't remember, you can provide your ID number to verify your identity information.

If you can't check your personal information when reporting the loss through the credit card customer service phone, you can ask the customer service staff to freeze the credit card first, and then formally report the loss to the bank outlet with valid identity documents.

Once the credit card is reported lost, it will take effect immediately. Even if the card is found later, it can't be used again, and the++of the new card that is reissued after reporting the loss is different. Therefore, if it is reimbursed by the company, you must be clear about this when reporting the loss.

Loss reporting of credit cards generally requires income loss reporting fees. Different banks charge different fees, and some cards are exempt from loss reporting fees. The details shall be subject to the bank notice.

This is the end of the introduction about reporting the loss of credit cards and what you can get in a few days. I wonder if you found the information you need from it?