Why do I have to pay for the loss of my free account?

Guide: "The credit card account opening is free, the report report is 50 Yuan." "The public, Ms. Ho recently called the newspaper" party newspaper hotline ", Big obeyed this money spent is not worth. Reporters found that the same view of the same woman credit card consumers are not a minority. Subsequently, the reporter contacted a number of bank credit card Center customer service personnel, found that each bank reported the loss of fees slightly different, the cost difference is more than three times. In the face of a small loss of reporting costs, the industry said that the risk of losing credit card compared to timely reporting is the safest way. The temporary freezing of the credit card is subject to careful consideration according to individual circumstances.

"The credit card account opening is free, the report report is 50 Yuan." "The public, Ms. Ho recently called the newspaper" party newspaper hotline ", Big obeyed this money spent is not worth. Reporters found that the same view of the same woman credit card consumers are not a minority. Subsequently, the reporter contacted a number of bank credit card Center customer service personnel, found that each bank reported the loss of fees slightly different, the cost difference is more than three times. In the face of a small loss of reporting costs, the industry said that the risk of losing credit card compared to timely reporting is the safest way. The temporary freezing of the credit card is subject to careful consideration according to individual circumstances.

Investigation: The loss of reporting fees vary

Live in the area of the Ms. Ho told reporters, has lost the credit card was found in the home shortly before, Ms. Ho rushed to the bank to cancel the loss of business, but was staff informed: "After the loss can not be revoked, the old card was voided, the cost is no longer tui." "It makes Mrs. Ho angry and annoyed."

Reporters learned that the Wuhu of the major banks of credit card loss charges, Agricultural Bank, CCB, Everbright Bank, such as the loss of 50 yuan, Citic Bank, Everbright Bank, such as the charge of 40 yuan, ICBC's loss of the minimum cost of 20 yuan. Some banks have also launched a personalized card, chip card Services, if the card will be charged an additional 20 yuan.

In response to the loss of credit card costs, industry insiders said that the banks based on different service policies, the difference in fees and charges, as well as credit card consumption security considerations, the bank charges include credit card risk management fees and business card-making, delivery and other costs incurred.

Reminder: Temporary freeze risk still exists

It is understood that some banks have introduced a temporary freeze credit card policy, that is, the temporary loss of the way to limit the flow of funds in the card, and do not charge any fees for the implementation of asset protection customers. If the customer find the lost credit card, then timely contact with the Bank customer service and will be released to freeze, restore the use.

Reporters learned that the banks temporarily frozen credit card rules vary. The CCB can be temporarily frozen indefinitely, that is, until the call is lifted; the temporary suspension of the bank of communications is valid for a period of 3 days, and the customer must contact customer service staff before 5:00 on the third day to cancel the freeze, otherwise it will automatically become the official report loss and will deduct the loss CITIC Bank can provide a temporary freezing period of 1-3 days depending on the individual needs of the customer.

In response to the temporary freezing of credit cards to avoid the risk of capital, the industry said that the temporary freeze of credit card is not the same as the official loss, that is, the timely loss of the report, the timely loss of the consumer can ensure the maximum security of funds, and temporary freeze does not exclude people through illegal channels, the use of other people's information, through identity , so there is a certain risk. "The temporary freeze is not recommended unless you are fully sure that the credit card is there and can be found immediately." "A bank credit card center staff told reporters.

Some people think that in order to save a loss of money can directly write off the lost credit card, and then a new card can be. In this, the bank staff told reporters that the loss of credit card loss is divided into two ways, such as loss and cancellation, are the best way to avoid risk. If the direct deregistration does not report the loss, it may result in non-online illegal transaction of funds security risks.

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Why do I have to pay for the loss of my free account?