Second, then you need to take your ID card to the bank counter to formally report the loss. Generally, we can report the loss on the spot without waiting. As long as you bring your ID card, you can basically report the loss smoothly.
Bank card replacement is divided into two situations:
1, keep the old number. If you give up the original card number and replace it directly with a new card, the card number will change. Of course, the money in the old card will be transferred to the new card. Generally, the replacement of this card number can be handled immediately, which means that a trip to the bank can complete the replacement of the loss.
2. Reopen the new number. If you need a new card but the card number remains the same, it will take 7 working days. Before issuing a new card, you must report the loss, report the loss after 7 days, and then reissue it. In other words, if you lose your card and want to reissue it, but you want to keep the original card number, you need to go to the bank after reporting the loss for the past 7 working days.
Extended data:
Bank card management method is China People's Bank? In order to strengthen the management of bank card business, prevent the risks of bank card business and safeguard the legitimate rights and interests of commercial banks, cardholders and special units? [2]? It is formulated in accordance with the Law of the People's Republic of China on the People's Bank of China, the Law of People's Republic of China (PRC) Commercial Bank, the Regulations of People's Republic of China (PRC) on Foreign Exchange Control and relevant administrative regulations.
Chapter I General Provisions
Article 1 In order to strengthen the management of bank card business, prevent the risks of bank card business and safeguard the legitimate rights and interests of commercial banks, cardholders, special units and other parties, these Measures are formulated in accordance with the Law of the People's Republic of China on the People's Bank of China, the Law of People's Republic of China (PRC) Commercial Bank, the Regulations of People's Republic of China (PRC) on Foreign Exchange Control and relevant administrative regulations.
Article 2 The term "bank card" as mentioned in these Measures refers to a credit payment instrument issued by commercial banks (including postal financial institutions, the same below) to the society with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc.
Without the approval of the People's Bank of China, commercial banks may not issue bank cards.
Article 3 All commercial banks, cardholders, merchants and other parties handling bank card business within the territory of People's Republic of China (PRC) shall abide by these Measures.
Article 4 A commercial bank shall, on the basis of mutual benefit through consultation, carry out joint bank card business involving information, merchants and machines.
Chapter II Classification and Definition
Article 5 Bank cards, credit cards and debit cards.
Bank cards are divided into RMB cards and foreign currency cards according to different currencies; According to the different issuing banks, it can be divided into corporate cards (business cards) and personal cards; According to different information carriers, it can be divided into magnetic stripe card and ic card.
Article 6 Credit cards are divided into credit cards and quasi-credit cards according to whether the reserve fund is deposited with the issuing bank.
Credit card refers to the credit card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and then repay.
Quasi-credit card refers to a credit card in which the cardholder must first deposit a certain amount of reserve fund according to the requirements of the issuing bank, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank.
Article 7 Debit cards are divided into debit cards (including savings cards, the same below), special cards and stored value cards according to different functions. Debit cards have no overdraft function.
Article 8 Debit cards are used for real-time deduction. With transfer calculation, cash deposit and withdrawal, consumption and other functions.
Article 9 A special card is a debit card with a specific purpose and used in a specific area. With transfer calculation and cash deposit and withdrawal functions.
Special use refers to use outside department stores, restaurants, restaurants and entertainment industries.
Article 10 A stored-value card is a prepaid wallet-type debit card in which the issuing bank transfers its funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card during the transaction.
Article 11 Co-branded cards/subscription cards are subsidiary products of bank cards jointly issued by commercial banks and profit/non-profit organizations. The varieties of the attached bank cards must be those approved by the People's Bank of China, and shall comply with the business regulations or management measures of the corresponding varieties.
The issuing bank and the joint unit shall provide a certain percentage of preferential or special services to the joint cardholders in the credit card of the joint unit; The cardholder receives the ID card to show his support for the identity unit and enterprise.
Article 12 Chip (IC) cards can be used for both single bank card varieties and combined bank card varieties.
Chapter III Examination and Approval of Bank Card Business
Article 13 A commercial bank shall meet the following conditions when offering bank card business:
(1) It has been in business for more than 3 years and has a good business foundation for handling retail business;
(2) It meets the monitoring indicators for asset-liability ratio management promulgated by the People's Bank of China and is in good operating condition;
(3) The business has established a scientific and perfect internal control system with clear internal authorization approval procedures;
(4) Having qualified managers and technicians and corresponding management institutions;
(5) Safe and effective computer processing system;
(six) the issuance of foreign currency cards must also have the qualification to operate foreign exchange business and the corresponding foreign exchange business management level;
(seven) other conditions stipulated by the people's Bank of China.
Article 14 A commercial bank that meets the above conditions may apply to the People's Bank of China for opening a bank card business and submit the following materials:
(1) application report: demonstrate the necessity and feasibility, and make market forecast;
(two) the bank card articles of association or management measures and the draft card sample design;
(3) Internal control system and risk prevention measures;
(four) the test report issued by the competent department of science and technology of the People's Bank of China on the technical standards of system security;
(5) Other materials required by the People's Bank of China.
Article 15 The articles of association of various bank cards of the issuing bank shall specify the following items:
(a) The name, type, function and purpose of the card;
(two) the card issuing object, application conditions and application procedures;
(three) the scope of use of the card (including use restrictions) and the method of use;
(four) the interest rate applicable to the card account, as well as the charging items and standards for the cardholder;
(five) the rights and obligations of the issuing bank, the cardholder and other relevant parties;
(6) Other matters required by the People's Bank of China.
Sixteenth bank card management authority and approval procedures:
(a) commercial banks to start all kinds of bank card business, should be in accordance with the provisions of the people's Bank of China on strengthening internal control and authorized credit management, respectively, to develop a unified charter or business management measures, and reported to the head office of the people's Bank of China for approval.
If the head office of a commercial bank is not in Beijing, it should first report to the local central branch of the People's Bank of China, and after examination and approval, the branch of the People's Bank of China will forward it to the head office of the People's Bank of China for approval.
(2) Commercial banks that have started credit card and debit card business may apply to the People's Bank of China for issuing joint cards/ID cards, special cards and stored-value cards; Commercial banks offering RMB credit card business may apply to the People's Bank of China for issuing foreign currency credit cards.
(3) Commercial banks should report to the head office of the People's Bank of China for approval when issuing joint cards, IC cards and stored-value cards that are common in the whole country.
(4) When a branch of a commercial bank handles the bank card business approved by the head office of the People's Bank of China, it shall file with the local People's Bank of China with the approval document of the People's Bank of China and the authorization document of the head office.
The special cards and co-branded cards used in the distribution area of branches of commercial banks shall be reported to the central branch of the local People's Bank of China for the record with the authorization document of the head office of the commercial bank and the agreement between the two parties.
(5) A commercial bank shall report to the People's Bank of China for approval if it changes the name of its bank card or modifies its articles of association.
Seventeenth foreign financial institutions operating bank card acquiring business shall be reported to the head office of the People's Bank of China for approval.
Bank card acquiring business refers to the settlement service of local and foreign currency funds provided by the signing bank to merchants.
Chapter IV Interest-bearing and Charging Standards
Article 18 Interest bearing on bank cards includes interest bearing and interest payment, and shall be accounted for in accordance with the provisions of the financial system of financial and insurance enterprises.
Article 19 The issuing bank shall calculate and pay interest on the deposits in quasi-credit card and debit card (except stored value card) accounts according to the deposit interest rate and interest-bearing method of the same grade in the same period stipulated by the People's Bank of China.
The issuing bank does not pay interest on the deposit in the credit card account or the currency value in the stored value card (ic card electronic wallet).
Twentieth credit card holders enjoy the following preferential conditions for non-cash transactions:
(1) Interest-free repayment period. The interest-free repayment period is between the bank bookkeeping date and the due repayment date stipulated by the issuing bank. The longest interest-free repayment period is 60 days. Cardholders can enjoy an interest-free repayment period by repaying all the used bank funds before the due repayment date, without paying interest on non-cash transactions.
(2) Minimum repayment amount. If the cardholder has difficulty in repaying all the money used by the bank before the due repayment date, he can repay according to the minimum repayment amount stipulated by the issuing bank.
Article 21 When a credit card holder chooses the minimum repayment method or uses a card that exceeds the credit limit approved by the issuing bank, he will no longer enjoy the interest-free repayment period, and will pay overdraft interest at the prescribed interest rate for the unpaid part from the bank bookkeeping date.
Credit card holders who withdraw cash or quasi-credit card overdrafts do not enjoy interest-free repayment period and minimum repayment amount, but should calculate overdraft interest on the cash transaction amount or overdraft amount at the prescribed interest rate from the bank bookkeeping date.
Article 22 The issuing bank shall charge the cardholder the overdue fine of 5% of the outstanding minimum repayment amount and the credit line exceeding the limit and the handling fee exceeding the limit.
Article 23 Credit card overdrafts will be compounded monthly, and quasi-credit card overdrafts will be paid monthly. The overdraft interest rate is 0.5 ‰ of the daily interest rate, which will be adjusted according to the current interest rate adjustment of the People's Bank of China.
Article 24 A commercial bank shall collect settlement fees from merchants of bank card acquiring business according to the following standards:
(a) hotels, restaurants, entertainment, tourism and other industries shall not be less than 2% of the transaction amount;
(two) other industries shall not be less than 65438+ 0% of the transaction amount.
Article 25 The following profit sharing ratio shall be implemented for inter-bank transactions:
(1) In cities without information exchange centers, the settlement fees charged from merchants shall be distributed according to the ratio of 90% of the issuer and 0/0% of the acquirer;
Commercial banks can also conduct inter-bank transactions through negotiation, equipment sharing, agency and free of charge.
(2) In cities where information exchange centers have been established, the settlement fees collected from merchants are distributed according to the ratio of 80% of the issuing bank, 80% of the acquiring bank 10% of the information exchange center 10%.
Article 26 The cardholder shall bear the expenses for inter-bank withdrawal of ATM by himself, and the following charging standards shall be implemented:
(a) the cardholder withdraws money within the city where the card is received, and each charge shall not exceed 2 yuan RMB;
(two) the cardholder withdraws money outside the city where the card is accepted, and the fee for each withdrawal shall not be lower than 8 yuan RMB;
ATM inter-bank withdrawal fees are allocated according to the proportion of 70% for all machines and 30% for the information exchange center.
Twenty-seventh commercial banks should charge settlement fees to merchants for overseas bank card acquiring business, and the charging standard shall not be less than 4% of the transaction amount.
Domestic banks sign credit card agency acquiring agreements with overseas institutions, and the profit sharing ratio is 37.5% and 62.5% of the merchant handling fees paid by domestic banks and overseas institutions respectively.
Chapter V Account and Transaction Management
Twenty-eighth individuals to apply for bank cards (except stored value cards), should provide valid identity documents stipulated by the public security department to the issuing bank, and open a registered account for them after passing the examination by the issuing bank;
To open a basic account, a domestic financial institution shall apply for a corporate card with an account opening permit issued by the People's Bank of China;
Bank cards and their accounts are only used by cardholders approved by the issuing bank, and may not be rented or lent.
Twenty-ninth units of RMB card account funds should be deposited from its basic account, not to deposit cash, not to deposit sales income into the unit RMB card account.
Thirtieth units of foreign currency card account funds should be transferred from its foreign exchange account deposit, foreign currency cash shall not be deposited in China. Its foreign exchange account shall meet the following conditions:
(a) in line with the relevant provisions of the people's Bank of China on the management of domestic foreign exchange accounts;
(2) The foreign exchange account has corresponding payment contents within its income and expenditure scope.
Article 31 The funds in an individual's RMB account shall be deposited in the form of cash held by him, and transferred in the form of his salary, personal legal labor remuneration, investment return and other income.
Article 32 The funds in an individual's foreign currency card account shall be deposited in foreign currency cash held by the individual or transferred from his foreign exchange account (including foreign currency account). The transfer and deposit of this account shall be handled in accordance with the Measures for the Administration of Personal Foreign Exchange of the State Administration of Foreign Exchange.
Personal foreign currency card withdrawal of foreign currency cash in China shall be handled in accordance with our personal foreign exchange management system.
Article 33 Foreign currency cards shall not be used for foreign currency pricing and settlement in China in principle, except in the areas or regions designated by the State Administration of Foreign Exchange.
Article 34 The cardholder may apply for account cancellation after paying off all transaction funds, overdraft principal and interest and related expenses. When the account is closed, the funds in the RMB card account of the company will be transferred to its basic account, and the funds in the foreign currency card account of the company will be transferred back to the corresponding foreign exchange account, and it is not allowed to withdraw in advance.
Thirty-fifth units of RMB card can handle the settlement of commodity trading and labor supply funds, but not overdraft; Exceeding the starting point stipulated by the People's Bank of China, it shall be transferred by the local branch of the People's Bank of China.
Article 36 The issuing bank authorizes each withdrawal of a credit card, and the daily cumulative withdrawal of each card shall not exceed 2,000 yuan.
The issuing bank shall set a transaction ceiling for cardholders to withdraw money from ATMs. The cumulative daily withdrawal of each card shall not exceed RMB 5,000.
Article 37 The face value or monetary value of a stored-value card shall not exceed 65,438 yuan+0,000 yuan.
Article 38 When issuing subscription cards, commercial banks shall not pay, donate or pay other fees to subscription card units from their income.
Article 39 Electronic information generated from various transactions such as deposit and withdrawal, transfer and settlement. , handled by the issuing bank according to electronic information such as passwords, which are valid vouchers for this transaction. The issuing bank can use the transaction details or list as accounting vouchers.
Article 40 The original vouchers of various online transactions of bank cards shall be kept for at least two years for future reference.
References:
Baidu Encyclopedia-Bank Card Management Measures