Is there a charge for reporting the loss of bank cards?

Whether it costs money to report the loss of a bank card depends on the type of card and the bank.

There are two kinds of general cards, savings card and credit card. And some banks don't charge for reporting the loss. Even if there are, different banks have different charging standards:

1, ICBC: loss reporting fee for savings card 10 yuan/card; Credit card and quasi-credit card 20 yuan/card; Platinum card, ICBC (American Express) Centurion Black Gold Card, ICBC (American Express) Centurion Platinum Card and Official Card are free.

2. China Construction Bank: there is no handling fee for reporting the loss of the savings card; Credit card loss reporting fee 50 yuan/card.

3. Postal Savings Bank: the loss of the savings card shall not be higher than 10 yuan/pen; The loss reporting fee for ordinary credit cards is 20 yuan/time, the loss reporting fee for gold credit cards is 40 yuan/time, and the loss reporting fee for business cards and platinum cards is exempted.

Bank card refers to a credit payment tool issued by commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc. Bank card reduces the circulation of cash and checks, which makes the banking business break through the limitation of time and space and undergo fundamental changes. The application of bank card automatic settlement system makes the dream of "no cheque, no cash society" come true.

From August 1 2007, the annual management fee for bank cards was cancelled, and some basic financial service charges of commercial banks were suspended. 20 19 on April 22nd, China unionpay released the report on the development of bank card industry in China (20 19). On August 15, 2020, Baidu Company, baixin bank and China UnionPay launched the first digital bank card in China-Baidu Flash Payment Card. On August 3rd, Kloc-0, China UnionPay released its first digital bank card "UnionPay Unbounded Card".

2065438+February 2, 2009 65438+Provisions of the Supreme People's Court on Several Issues Concerning the Trial of Civil Disputes over Bank Cards in 2009 were adopted by the Judicial Committee of the Supreme People's Court at its1785th meeting, and came into effect on May 25, 2002/kloc-0. Obviously, the user's bank card has been stolen to prove that he has no responsibility and can claim compensation from the bank.

Since the 1970s, due to the rapid development of science and technology, especially the use of electronic computers, the use of bank cards has been expanding. Not only has the circulation of cash and checks been reduced, but the banking business has also undergone fundamental changes because it has broken through the limitations of time and space. The application of bank card automatic settlement system will make the arrival of a "no check, no cash society" come true as soon as possible.

The 20-year development of China's bank card industry can be roughly divided into four stages:

1985 to the early 1990s, is the initial stage.

From the early 1990s to the beginning of 1996, the bank card business was independently developed for branches in large and medium-sized cities. At this stage, the Gold Card Project started.

From 1997 to 200 1 at the end of the year, China bank cards gradually realized the general stage of networking.

Since 200 1, it has been a stage of in-depth development of bank card networking in China, and the number of bank cards issued by various banking institutions in China has increased rapidly.