1. If the card can no longer be used due to damage, breakage, degaussing of magnetic stripe or wrong signature, you can call the customer service phone of the issuing bank to apply for a new card. The bank will issue a card issuance notice within 7 days after receiving the replacement application.
2. It takes 7- 15 days to bring your ID card to the account opening counter, but you can't get the bank card right away. It should be noted that when you get a new bank card, please destroy the old card in time to avoid economic losses.
3. If you want to cancel your credit card directly after it is damaged, you can apply for card cancellation through customer service phone. If a deposit transaction is made within 30 days from the account to the official account cancellation, it is necessary to cancel the account at the business outlet in the card-issuing area with the valid identity certificate used when handling the card.
4. The customer service telephone application is cancelled. After deducting the annual fees receivable from all the cards in his account, the account balance must be zero or the customer explicitly gives up the remaining deposits in the account before he can apply for card cancellation through customer service phone, otherwise he can only bring his valid ID card to the bank outlet for card cancellation.
Precautions:
1. At present, China Merchants Bank, Bank of Communications, CITIC, Xingye, Shenzhen Development Bank, Guangfa, Bank of Beijing and China Everbright Bank provide credit card holders with 48-hour protection before loss reporting. If the consumer's credit card in the above-mentioned bank is lost or stolen, if the credit card is stolen within 48 hours before the loss is reported, he can apply to the bank for compensation.
2. Bank of East Asia and Ping An Bank can provide card loss protection 72 hours before reporting the loss.
3. Huaxia Bank provides 120-hour long card loss protection. It is reported that this guarantee time is the longest in the current domestic credit card loss business. The card loss protection service is generally valid for only one year, and the cardholder can only get the payment protection before losing the card once a year.