How to pay for the Spring Festival holiday credit card
The Spring Festival holiday is the peak period of credit card spending. Many card friends use credit cards to pay for travel and shopping. However, at this time of the year, it is often the frequent period when credit cards are stolen. So what should I do after the credit card is stolen? How to claim? Let's take a look at it with Xiaobian.
Credit cards are convenient for card users to obtain benefits, but they may also be used by people with ulterior motives to steal, illegally cash out, etc., causing losses to banks or individuals. News about credit card theft and bank indemnity often occupies the layout, and many victims are stolen without the card leaving.
In the case of a credit card being stolen, you can follow the following process:
1. The credit card is stolen and you should call the customer service to freeze the credit card at the first time. This is a stop loss and is well understood.
2. Hold the frozen credit card and go to the nearest POS machine to brush the card. Of course, you can't brush anything because the credit card has been frozen. However, this step will be displayed in the background of the bank. This step is very important, in order to prove that your card is actually spent on the card in the off-site.
3. Take your ID card and stolen card to your bank account office or your local police station to open a report certificate, what does it prove? Prove that your ID card and card have not been lost.
4. Within the specified time, the cardholder needs to submit the credit card loss guarantee material required by the bank to the bank. After receiving the materials, the bank will notify the cardholder of the specific treatment plan. If the bank applies, it will be paid.
However, at present, not all bank credit cards can provide credit card loss guarantee. The regulations and guarantee limits for the loss of card protection are not the same for each bank. Some banks stipulate the guarantee time 24 hours and 48 hours before the loss. 72 hours or 120 hours.
Let's take a look at the specific rules of the credit card loss protection service for each line, including the guarantee time and coverage, as shown in the following figure:
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