Do I need to pay for the loss report and replacement card?

Generally, there is no charge for reporting the loss and replacing the card, and it requires a certain business card printing fee. Under normal circumstances, banks will charge a certain fee for replacing bank cards, but it will not be very expensive, generally around 10 RMB, but the charging standards of different banks are likely to be different, depending on the actual situation.

Loss reporting of bank cards can be divided into temporary loss reporting and formal loss reporting. Temporary loss reporting is also called oral loss reporting. Under normal circumstances, users can call the bank's customer service hotline to operate, and such loss reports can be cancelled at the bank service outlets with personal ID cards. Formal loss reporting refers to the formal loss reporting by users at banking service outlets. This kind of loss reporting cannot be lifted. The specific process is as follows:

1. Users bring their ID cards to the local bank outlets to report the loss;

2. With the help of the staff, fill in the application form for loss reporting of bank cards;

3. Give the ID card and application form to the counter staff for approval.

According to different situations, whether it is necessary to pay for the loss of replacement cards will be different. Generally speaking, banks or credit card companies may charge a certain fee when customers report the loss of their cards. This is because reporting the loss and replacing the card involves a series of operational and risk control measures, which need to be completed by banks or credit card companies.

To sum up, the specific charging standards may vary according to the policies of banks or credit card companies. Some banks or credit card companies may charge a certain fee for loss reporting cards, while others may provide this service for free. Generally speaking, if the card is lost or stolen due to the customer's reasons, the customer may have to bear the corresponding expenses. However, if it is due to the bank or credit card company, such as card damage or system failure, then the customer is usually not required to bear the cost.

Legal basis:

Measures for the supervision and administration of credit card business of commercial banks;

Article 85

The acquiring bank should strengthen the management of the mobile accepting terminal of acquiring business, and ensure that different terminal devices use different terminal master keys and change them regularly. The acquiring bank shall strictly examine the application of special merchants to install mobile acceptance terminals. Except for commercial outdoor places such as aviation, catering, traffic fines, door-to-door charges, mobile sales, logistics distribution, etc., other types of merchants may not install mobile acceptance terminals without the approval of the head office of the acquiring bank.

According to different situations, the cost of loss reporting and card replacement may be different. Generally speaking, banks or credit card companies may charge a certain fee, because it takes manpower and material resources to report the loss and reissue the card. Specific charging standards vary according to institutional policies. Customers may have to bear the cost, but banks usually don't. It is recommended to consult relevant institutions or reference terms to obtain accurate information. Payment methods include online payment, cash payment and third-party payment. It is recommended to consult the bank staff and keep the payment voucher.