How to get the Bank of Communications credit card loss protection fund?

How to close the worry-free service of bank of communications credit card

1 users who have opened the worry-free service of Bank of Communications Card can cancel the service at the offline outlets of Bank of Communications with their ID cards and bank cards.

If online banking is enabled, logging in to the credit card page with SMS password can be cancelled in the value-added service, but the deducted service fee will not be refunded.

Call Bank of Communications Credit Card Customer Service Center. There is a number on the back of the card, so please transfer it to manual service and then cancel it according to the instructions of the staff.

Bank of Communications credit card SMS reminder service:

Bank of Communications credit card SMS reminder service includes two services: "worry-free card use" and SMS reminder for large transactions.

The "Card Worry-Free" service provides instant SMS reminder for each transaction and 48-hour card loss protection service, which is a service item to improve credit card security. Instant SMS reminder can ensure that every transaction generated by a credit card can be known to the cardholder, so as to minimize or avoid the possibility of being swiped by mistake or stolen. The 48-hour card loss guarantee can compensate the cardholder for the economic losses caused by the stolen credit card. The SMS reminder service for large transactions only provides instant reminders for transactions with a single transaction amount higher than the specified amount.

"worry-free card use" service

"Worry-free card use" service is a bank value-added service that Bank of Communications provides the contracted cardholders with reminders of consumption, cash withdrawal and repayment (repayment by counter and self-service equipment) through SMS, and belongs to paid service. Customers who customize the "worry-free card use" service will be given a 48-hour card loss guarantee service during the service period.

48-hour card loss protection

The 48-hour card loss protection is provided by the Bank of Communications in the form of insurance with relevant insurance companies. When a cardholder signs up for the "card-free" service, it is deemed that the cardholder agrees that Bank of Communications, as the insured, will use the cardholder's necessary personal information to insure the cardholder (as the insured) with the relevant insurance company for card loss protection.

The "worry-free" function of Bank of Communications credit card;

1. Card Worry-Free is a value-added service provided by Bank of Communications for credit card customers with transaction SMS reminder as the core; Worry-free card will provide SMS reminders for three types of transactions: consumption, cash withdrawal and repayment.

2. On this basis, an additional 72-hour card loss guarantee is added, which mainly includes stolen cards generated through merchant transaction terminals (POS) or designated online transactions, excluding cash withdrawal, transfer and telephone transactions.

3. Providing "online transaction theft insurance" with a card is worry-free. As long as it is an online entity shopping transaction that meets the prescribed conditions, you can enjoy the protection of stealing up to 5,000 yuan per card in each insurance year. It can not only help customers grasp the card usage situation in time, but also reduce the financial loss when the card is stolen, and provide customers with safety and peace of mind.

I'm a credit card of Bank of Communications, and the monthly information fee is 12 yuan.

Free monthly SMS deduction 12 yuan means: free monthly SMS service fee 12 yuan. The Bank of Communications "Card Worry-Free" service provides instant SMS reminder for each transaction and 96-hour card loss protection.

Instant SMS reminder will inform the cardholder of every transaction (including consumption, cash withdrawal and repayment) generated by the credit card through SMS, so as to minimize or avoid the possibility of incorrect or stolen credit card swiping; The 96-hour card loss guarantee can compensate the cardholder for the economic loss caused by the theft of the credit card under specified circumstances.

Extended data:

Worry-free signature and charging rules for using credit cards

1. The service of "Worry-Free Card Use" is signed by households, and only the main cardholder can sign the contract. If the cardholder holds more than one Bank of Communications credit card master card, he only needs to sign one master card, and all the Bank of Communications credit card master cards under the cardholder's name and the supplementary cards attached to the master card will automatically open the "no card" service.

2. The service fee for the "worry-free card" service is charged by the user. The charging standard of "Card Worry-Free" service is 4 yuan/household/month, and it is deducted by each household 12 yuan every three months.

3.2065438+September 24, 2006 (inclusive), the supplementary card customers who have signed up for the service of "worry-free card use" will automatically open all the cards under the name of the main cardholder corresponding to the supplementary card from 2011year1month, and enjoy the "use".

4. The service fee of "Worry-Free Credit Card" is calculated and collected in a cycle of three months, and deducted on the next day of the service subscription date, and recorded in the current credit card statement, and the cardholder will repay normally within the repayment period shown in the bill; If the cardholder fails to cancel the subscription before the service expires, the service will be automatically renewed.

5. "Cardless" services are all unsubscribed by households, and only the main cardholder can unsubscribe. During the service period, if the cardholder cancels the subscription, the service fee collected will not be refunded, and the service will be provided until the deadline of the subscription service period.

6. If the credit card of Bank of Communications, which is used to sign the "card-free" service under the cardholder's name, is abnormal at the expiration of any service period and can no longer be traded normally, and the cardholder fails to cancel the subscription before the expiration of the service period, the cardholder agrees that Bank of Communications can arbitrarily select one of the other credit card master cards with normal account status under its name to deduct the corresponding service fee.

And charge the service fee to the current credit card statement of the card.

7. number seven. BOSS card needs to be signed separately to unsubscribe from the "no card" service, and the corresponding service fee will be charged separately.

Bank of communications-worry-free card use

How long does it take for Bank of Communications to report the loss of its credit card?

It takes 7 working days for Bank of Communications to reissue the loss report of credit card.

According to the regulations of Bank of Communications, the loss reporting and replacement of credit cards need to be handled according to the following procedures:

1. Show your ID card and verify the UnionPay card information;

2. Report the loss of UnionPay cards, and keep the certificate of loss reporting;

When the bank informs you, it usually takes 7 days to apply for a new bank card.

4. Apply for a replacement bank card and show the certificate of loss reporting;

5, the counter staff to fill the card formalities;

Note: loss reporting requires a loss reporting fee, which can only be reissued at the bank where the account is opened.

After the credit card is lost, it must be reported in time, which can reduce the risk of credit card being stolen and minimize the property loss of the cardholder. Bank of Communications provides 72-hour card loss protection service for credit card customers, which can guarantee the capital loss within 72 hours before the official loss report.

I. Loss reporting and replacement of Bank of Communications credit cards

You can report the loss of your credit card through telephone banking, online banking, mobile banking and credit card customer service hotline. Once your credit card is lost and cannot be recovered, your old card can't be used. If you need a replacement card, you can handle it through the credit card customer service hotline.

Two, Bank of Communications credit card loss reporting, replacement method

Loss reporting method

Report the loss of telephone banking: call the credit card customer service hotline 400-800-9888 or 95559→ press 1# (report the loss of credit card);

Report the loss of online banking: log in to online banking → credit card → credit card management → report the loss of credit card.

Report the loss of mobile banking: log in to mobile banking → credit card → report the loss of credit card → select.

Card replacement method

Replacement card: At present, you can only apply for a replacement card through the credit card customer service hotline.

Third, the Bank of Communications credit card loss reporting, card replacement costs

Loss reporting fee:

At present, activated cards are charged for loss reporting, while inactive cards are charged for loss reporting.

Domestic loss reporting fee: RMB 50 yuan per card (loss reporting for official cards is free);

Overseas emergency loss reporting fee: RMB 50 yuan per card (Platinum Credit Card is free of charge for overseas emergency loss reporting).

Card replacement fee:

The cost of replacing a new card in China is RMB 65,438+05 per card, and 35 yuan will be charged for urgent processing (replacing a new Platinum Credit Card is free).

Overseas emergency card replacement fee: VISA card is 65,438+075 USD per card, MasterCard card is 65,438+048 USD per card, and gold and platinum cards are free.

Four. Effective time for reporting the loss of credit card of Bank of Communications.

The replacement card for loss reporting of credit card takes effect immediately. The new card is sent by registered mail according to the mailing address registered by the cardholder in Bank of Communications. Generally, the new card can be received within 3 days, about 10 days, and it needs to be activated before it can be used!

Bank of Communications lost its credit card. How to reissue it online?

You can't reissue it directly online. You need to call the bank customer service to explain the situation and report the loss.

1) Report the loss and replace the card.

If your card is lost or stolen, please call the 24-hour customer service hotline immediately to formally report the loss, and the loss will take effect immediately, and a certain loss reporting fee will be charged (see the charging standard for specific charging standards). In order to ensure the security of your account, the card will be invalid immediately after the loss report takes effect.

If you need a replacement card, we will check the information with you, then re-create and mail a new card for you, and charge a certain fee for the replacement card (see the charging standard for details). The new card will be sent to your mailing address together with a new one.

Platinum Card Service Hotline: 4008-666-888

Standard card, Y-POWER card, official card, Shanghai tourist card and Expo card service hotline: 400-800-9888.

Co-branded card service hotline: 400-889-3888

Quasi-credit card service hotline: 400-809-5559

2) Damage, degaussing and card replacement

When your credit card can no longer be used due to damage, breakage or degaussing of the magnetic stripe, please call the 24-hour customer service hotline on the back of the credit card to apply for a replacement.

3) Update the card when it expires.

Under normal circumstances, our bank will automatically renew your credit card two months before it expires. And send the new card to your mailing address by registered mail, without any formalities.

In order to ensure your rights and interests, please sign your name in the signature column on the back of the new card when you collect it, and activate it through online banking, mobile banking, telephone banking, two-way SMS and other channels. When you finish the activation procedure of the new card, please cut and destroy the old card yourself.

When you don't receive a new card, your old card can still be used before the credit card expires. If you don't receive a new card in time before the credit card expires, please call the 24-hour customer service hotline on the back of the credit card. If your mailing address changes, please contact us in time to avoid affecting your card use.

Extended data:

Bank of Communications Credit Card Security

In order to ensure the safety of your card, Bank of Communications provides the following services, so that your card can enjoy multiple guarantees and avoid your worries.

1. Password+signature

When China UnionPay merchants swipe their cards, they can choose to use the password to confirm the transaction. After the activation is successful, you need to use "password+signature" to make POS consumption in China UnionPay merchants (except for China UnionPay merchants, VISA merchants and MasterCard merchants who post the words "only accept credit cards" or "only support signatures" overseas, and you can swipe your card without using the transaction password) to ensure the safety of your card use.

2. Transaction SMS reminder+card loss protection

It is suggested that you open a worry-free service for card use, and you can enjoy instant SMS reminders for each card consumption and cash withdrawal transaction, so that you can grasp the transaction situation of your card in real time, and try to reduce or avoid the possibility of incorrect or stolen credit card swiping. At the same time, you can also enjoy the card loss protection service 72 hours before reporting the loss, which can compensate the cardholders for the economic losses caused by the theft of their credit cards.

After the cardholder loses his credit card and reports the loss to the credit card center, the insurance company will compensate the cardholder for the loss of the stolen credit card within 72 hours before the loss of the credit card according to the actual situation, and the maximum compensation amount is 6,543,800 yuan+10,000 yuan/household/year.

Worry-free charge standard for card use: 4 yuan/household/month, and it is charged by 12/ household every three months. For details, please refer to the introduction of card worry-free service.

3.24-hour loss reporting service

If you lose your credit card, please call our 24-hour customer service hotline immediately to apply for loss reporting. It is suggested that you save the customer service hotline in the phone address book, so as to contact us in time in case of such emergency.

4. Abnormal transaction monitoring

The Bank of Communications credit card adopts the advanced transaction monitoring system, which can comprehensively monitor your card security for 7×24 hours. For some suspicious transactions, we will contact you as soon as possible to confirm the authenticity of the transaction, so that you can feel more at ease when using the card.

References:

Bank of Communications-Card Management

Bank of Communications-Card Security

Does anyone know what the "worry-free" of Bank of Communications credit card is? What are the benefits?

It is a short message notification service for credit card holders.

The "worry-free" function of Bank of Communications credit card;

The charging standard of "Card Worry-Free" service is 4 yuan/card/month, and it is charged uniformly every three months 12 yuan/deduction.

1. On this basis, the 72-hour card loss protection is added, which mainly includes stolen cards generated through merchant transaction terminals (POS) or designated online transactions, excluding cash withdrawal, transfer and telephone transactions.

2. Worry-free card use is a value-added service provided by Bank of Communications for credit card customers with transaction SMS reminder as the core; Worry-free card will provide SMS reminders for three types of transactions: consumption, cash withdrawal and repayment.

3. Providing "online transaction theft insurance" with a card is worry-free. As long as it is an online entity shopping transaction that meets the prescribed conditions, it can enjoy the protection of theft insurance with a maximum cumulative payment of 5,000 yuan per card per insurance year.

Extended data

The "worry-free card" service is charged by card. That is, if the cardholder has more than one main card, or the main card and the auxiliary card are opened at the same time, or the "card-free" service is opened at the same time, each main card and the auxiliary card will be charged separately according to the above charging standards, and the expenses of the auxiliary card will be included in the main card account.

The service fee of "Worry-Free Card Use" is calculated and collected in a three-month cycle, and deducted on the next day of the service subscription date, which is included in the current credit card statement, and the cardholder repays normally within the repayment period shown in the bill; If the cardholder fails to cancel the subscription before the expiration of the service period, the service will be automatically renewed (unless the card account is in an abnormal state and normal transactions cannot be conducted at the expiration of any service period). During the service period, if the cardholder cancels the subscription, the service fee collected will not be refunded, and the service will be provided until the deadline of the subscription service period.

Bank of Communications Credit Card is a credit brand product jointly launched by Bank of Communications and HSBC. Its user orientation is "a group of people who have ideals and pursuits for life and career, know how to enjoy, are more willing to struggle, and sometimes have the needs of studying abroad, doing business, studying abroad or traveling abroad."

So much for the introduction of Bank of Communications' credit card loss.