How to replace a credit card with a chip card

How to replace a credit card with a magnetic stripe card for a chip card

How to replace a bank card with a chip card:

The first method is to "replace the card and protect the number"

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Even if the magnetic stripe card is directly replaced by a chip card, it will not change, but it will take 10 days to two weeks to get it. Since magnetic stripe cards and chip cards are two different systems, currently only a few major banks can "change cards and protect numbers", and not all bank cards can do this. For example, CCB only has cards starting with 622700 that can protect numbers, and Bank of Communications only has 19-digit savings cards that can protect numbers.

The second type: "Change card and number"

After changing, the account information of the old card will be entered into the new card. Generally, you can get the card on the spot. In fact, It is similar to applying for a new card.

The third type is to apply for a new card

Nowadays, new cards are generally chip cards, and the charging standards of each bank are different.

Will China Construction Bank’s magnetic stripe credit card be replaced by a chip card? Pay attention to these matters

We all know that chip cards are more secure than magnetic stripe cards, so many people want to replace their magnetic stripe credit cards with chip cards, which will involve many aspects. Questions, for example, some people will ask whether the magnetic stripe card will change if it is replaced with a chip card, and whether the chip replacement service is free or charged. This depends on how each bank stipulates it. This article will introduce it with China Construction Bank.

1. Will it change if CCB’s magnetic stripe credit card is replaced by a chip card?

CCB’s magnetic stripe credit cards are divided into UnionPay single-currency magnetic stripe credit cards and dual-currency magnetic stripe credit cards. The core replacement methods are different for different card types.

If it is a UnionPay single-currency magnetic stripe credit card, the cardholder can apply to the bank for chip replacement service by himself, or he can not change the chip temporarily. When the card expires, the bank will automatically replace it with a chip. Credit card (but Excellence card, personalized card, and Barbie special-shaped card do not support chip card replacement). As long as the UnionPay magnetic stripe card starts with 62, the core will not be changed, but the card validity period and security code will change.

If it is a dual-currency magnetic stripe credit card, this does not support chip card replacement. However, if the cardholder wants to use a chip card, he or she can apply separately.

2. Is there any charge for replacing a CCB magnetic stripe credit card with a chip card?

This depends on whether the cardholder upgrades himself or the bank takes the initiative to change the card.

If the cardholder upgrades the standard magnetic stripe card to a chip card, there is a fee, which is 5 yuan per card. If the bank automatically replaces the chip card with a chip card after the card expires, then it is free of charge. However, if the replacement chip card is lost, it will cost 10 yuan to replace the card.

The above is the relevant introduction to "Can China Construction Bank's magnetic stripe credit card be replaced with a chip card?" I hope it will be helpful to everyone. If you have any other questions about replacing a CCB credit card magnetic stripe card with a chip card, it is recommended to call the CCB credit card customer service hotline to consult customer service.

Can magnetic stripe credit cards be replaced with chip ones?

Credit card theft incidents are emerging one after another, and the money that is not with the card is missing, and the culprit turns out to be the magnetic stripe card. So some card friends will ask, since magnetic stripe credit cards are so unsafe, can they be replaced with chip cards? What is the card replacement process? Let me introduce it to you below.

Before that, let’s learn about magnetic stripe credit cards and chip credit cards

1. Magnetic stripe cards: As long as magnetic stripe card users swipe their cards at POS machines or ATM machines, they will be automatically The magnetic stripe information of the bank card is left on the card, so users who hold magnetic stripe cards can easily have their cards stolen, and sometimes they will also be demagnetized!

2. Chip card: A chip card is a bank card that uses a chip as the medium. The information is stored in the smart chip, making it difficult to access the card information, and there are multiple transaction authentication processes, which can effectively ensure the security of account funds.

It can be seen from this that the difference between magnetic stripe cards and chip cards is not that small. If you want to protect the security of the card, it is recommended to replace the magnetic stripe card with a chip card. However, not all banks' magnetic stripe credit cards can be replaced with chip cards, so before changing the card, call the issuing bank's 24-hour credit card customer service hotline for clarification.

How to change the card?

To replace a magnetic stripe credit card with a chip card, you must first bring the required materials, and then go to a place where you can change the card. The details are as follows:

1. Required information

When replacing a magnetic stripe card with a chip card, you must bring a valid ID card and a magnetic stripe credit card. Some banks stipulate that if you have opened online banking, you must also bring a USB shield, etc.

2. Card replacement location

Changing a magnetic stripe card to a chip card can only be done at the counter. Friends who want to change the card should bring the required materials and go to the counter of the local bank branch to process it.

3. Card replacement fee

Compared with the low cost of magnetic stripe cards, the card production fee of chip cards is generally more than 20 yuan, and many banks also support card replacement. Cardholders adopt a charging policy, with fees ranging from 5 yuan to 20 yuan.

It should be noted that when changing from a magnetic stripe credit card to a chip card, you need to change the card or number, so what the cardholder needs to do is to go to various business halls with valid identity documents to apply again as soon as possible. Bind the business, and the online bank account and Alipay account also need to be re-bind with the new credit card.

How to replace the CCB Long Card credit card with a new one when it expires?

China Construction Bank will replace the cardholder with a chip card and waive the card replacement fee.

After the original magnetic stripe credit card held by the cardholder is replaced by a chip card, the cardholder can still enjoy the same functions and benefits as the original magnetic stripe card.

The way cardholders use long-term cards will change from the original "swipe card" payment method to the "insert card" payment method. It also has contactless payment and electronic cash functions, providing cardholders with more convenience Fast payment experience.

Extended information:

If the cardholder wants to continue to use the credit card, usually the bank will contact the cardholder whose credit card is about to expire in advance to replace it with a new card.

1. Check the validity of the credit card

The validity period of the credit card is the following four digits on the front of the credit card, in the format of month/year. For example, if the four-digit number below is 08/22, it means that the credit card will expire on August 31, 2022, and the credit card is valid for 5 years, 6 years, 8 years, etc.

2. After the credit card expires, you can choose not to change it. Do you need to cancel?

Although the credit card has expired, it can no longer be used. It is recommended to call customer service to cancel the account with the password card. 45 Days later, the card (account) will be officially canceled to avoid other unforeseen problems.

3. It will not change after changing the card.

It will not change. The new one will be changed after the credit card is reported lost and replaced. The new one will be the same as the previous one after the card is changed and re-created. same.

4. After changing the card, the transaction password remains unchanged

After the credit card expires and is renewed, the old card can still be used. The old card will expire after the credit card expires or the new card is activated. The validity period of the new card CVV2 will be changed, the transaction password and query password will be the same as the old card, and the points, quota and other information will be the same.

5. After the update, the new card needs to be reactivated

You can activate it through SMS as needed.