Citizens issue credit cards in order to pay for the purchase of goods or the provision of services. In this form, the means of payment is very convenient. You do not need to carry cash with you. At the same time, plastic can be damaged or lost. Finally, the card can be stolen. This threatens not only with limited access to funds, but also the possibility of a complete loss of their capital. Therefore, the card holder must clearly understand how to block the plastic and then restore it.
First of all, you need to finally make sure that the card is really lost. It is possible that the citizen simply forgot her at home and should be looked for. It so happens that a citizen turned to the bank about the loss of the card, and then he himself found it at home. Unfortunately, it will no longer be possible to use this card.
The card can be stolen. If you do not know your PIN, you will hardly be able to withdraw cash from an ATM. But you can pay for purchases on the Internet, because the card details are known to the fraudster, including a special code on the back of the plastic. If this happens, you need to react immediately. The bank is unlikely to write off the debt if the borrower begins to claim that he did not use the money on the card.
Card blocking procedure
If the cardholder is firmly convinced that it has disappeared, the plastic must be blocked. This can be done in various ways. The specific method is chosen by the client himself, depending on the convenience. You need to be aware of each of the available methods.
Support call
Blocking can be done by phone. The borrower calls the hotline of the bank that issued the card. Calls to numbers 8-800 are free. You can call at any time, since the service operates around the clock. When you call, you must provide the passport data and the code word that the borrower himself chooses at the time of the conclusion of the contract. After that, you must go to the bank branch to restore the card.
Financial company office
In the event that a citizen, by the will of fate, is near the bank, it is required to visit his office. The borrower writes a statement in which he indicates the reason for blocking the card. After accepting the application, the card will be instantly blocked. It is necessary to block the card immediately, so this method is suitable if the citizen is not far from the office. You shouldn’t waste time and go across the city to the bank. If the borrower is far from the branch, then it is better to call.
Online mode
You can block the card using the Internet. But this requires registration in the online banking system. If a citizen already has a username and password, he needs to do the following:
• First of all, you need to log in to the system.
• The required credit card is selected in your personal account. After the selection is made, you must press the lock button. The system will redirect the user to a page where he will be offered a profile.
• A citizen fills out a questionnaire, and then sends it to the creditor for consideration.
The application will be immediately accepted for execution. On the site, you can track the status of the questionnaire during consideration. In the event that the blocking is delayed, you must contact the support service. Then the blocked funds can also be restored online.
Sending SMS
This service is available only to those persons who have a mobile bank connected. To block a short number, a corresponding request is sent. The procedure has its own nuances in different banks. You can learn more about the mechanism of the procedure in the support service or directly at the bank branch.
Card recovery procedure
After the client has blocked the account, it can be restored at any time.
Algorithm of actions:
1. It is required for the client to visit the branch of the bank that issued the given credit card. You must come to the department with your passport and loan agreement. In the event that the card is stolen, the citizen must submit a supporting document, which is a certificate from the police.
2. Next, the citizen must write a statement. It will be the basis for re-issuing the means of payment. As a rule, the citizen will be required to pay a commission. Its size depends on the specific lender.
3. A commission for blocking plastic may be deducted from the amount on the card.
4. It takes some time to wait. It will go to reissue the card. As soon as the card is ready, the owner will be informed about this by sending an SMS to his phone.
5. After that, the citizen only has to come to the bank branch and pick up a new card.
How long will it take?
It will take from 3 days to 3 weeks to restore your credit card. The specific duration is determined by the individual conditions of using the card. It so happens that the card expires and has already been reissued. In this case, you will not have to wait long.
Nobody will reissue the card for free. This is a paid service. The size of the commission is different and depends on the specific bank. The reissue fee will be debited from the card account or the client will pay it himself. The specific amount of the reissue fee is contained in the tariff plan for which the card is serviced.
Banks restore credit cards, but this process is quite lengthy. Therefore, you must treat your credit card with care.
