How to cancel Postal Bank credit card

1. Call Postal Bank credit card customer service hotline to apply for cancellation:

Users directly call the bank credit card customer service hotline and apply to manual customer service Cancel the card and follow the steps provided by customer service.

2. Go to the postal branch to apply for credit card cancellation:

Bring your valid identity certificate and postal credit card to the Postal Savings Bank to cancel the credit card, fill in the account cancellation application at the same time, and then log in a few days later A phone call to confirm is enough to cancel the credit card.

PSBC Credit Card is a RMB credit card and is a UnionPay standard card. It has all the functions and services of a UnionPay standard credit card and can be used freely at home and abroad. The card is valid for three years. , four supplementary cards can be set. The main pattern of the Postal Savings Bank of China credit card is the Chinese character "ding", the background color of the regular card is blue-green, and the background color of the gold card is golden yellow.

According to statistics, as of October 2010, the business of the Postal Savings Bank of China has fully covered all prefecture-level cities and 2,100 counties, cities and major towns across the country, with more than 4,500 outlets nationwide. This business has been started. In just a few years, the Postal Savings Bank of China has developed very rapidly. From the launch of its business to October 2010, the Postal Savings Bank of China has issued loans to nearly 4 million households across the country, with an amount of more than 230 billion yuan, with an average loan of about 5.9 Ten thousand yuan, the Postal Savings Bank of China has distributed more than 150 billion yuan in rural areas at and below county level.

Please note the following when canceling a Postal Bank credit card:

First, confirm whether the account has been canceled 46 days after applying for Postal Bank credit card cancellation. Credit card cancellation is usually handled through telephone banking, but it is not possible to cancel the card successfully immediately through telephone banking. Cardholders generally need to call the bank promptly 46 days after canceling the card to confirm whether the account has been cancelled, to prevent the bank from successfully canceling the card due to some reasons and the cardholder thinking that the card cancellation was successful, causing unnecessary trouble in the future.

Second, you must pay off all outstanding debts in a timely manner before canceling your credit card. This arrears include not only account arrears, but also annual fees, etc. If you pay attention to the former and ignore the latter, the cardholder may still have outstanding balances on the card after the card is cancelled. So be sure to ask clearly when canceling your card, and you must not leave a penny of debt behind.

The third is to cut off the magnetic strip after canceling the credit card. If the card is complete, it may still be usable in some consumption places that only require information without verifying it. The best way is to cut the magnetic strip into several pieces and throw them into different garbage dumps to prevent people with ulterior motives from stealing them.

How to cancel a PSBC credit card

Telephone application: When users need to cancel a credit card, they can call the PSBC credit card customer service hotline, ask the staff to cancel the card, and inform the staff. After the information is successfully verified, the card cancellation process will be processed for you. Bank application: If there are Postal Savings Bank users nearby, you can directly take your Postal Savings Bank credit card to a nearby bank branch and cancel the credit card through the counter staff.

Credit card late payment fees refer to the situation where the cardholder’s actual repayment amount is lower than the minimum repayment amount on the due date of the credit card, and the cardholder must pay late payment fees for the unpaid portion of the minimum repayment amount, which is generally the minimum payment amount. 5 of the unpaid portion of the repayment amount, but due to different policies of each bank, the minimum amount set is also different. Therefore, cardholders who have large overdrafts during the Spring Festival holiday must remember the final repayment date after receiving the bill, and strive to pay off all previous consumption before the due repayment date. If you really haven’t paid it yet, apply for installment repayment as early as possible or adopt the minimum repayment method to avoid being penalized by the bank. People without financial income, such as students, should not apply for a credit card easily. Even if they do not use the credit card, they still have to bear the annual fee and other items. People who hold credit cards should give up using their credit cards and go through the card refund procedures in a timely manner. Otherwise, various credit card fees and subsequent interest, late payment fees, etc. will lead to personal economic losses and reduced credit, which will affect mortgages, car loans, etc.

Closing your credit card account is something you must do if you no longer intend to use your credit card. If you do not cancel your account, the bank will charge the credit card's annual fee.

If the card is not overdrawn, you can apply to cancel the account at any time. If the card has not expired, you need to apply first and go to the bank to cancel the account after a certain number of days; if the card has expired and the account balance is zero, you can go directly to the designated bank outlet to cancel the account. When canceling an account, you should bring the original valid identity document and card. If it is inconvenient for you to go through the account cancellation procedures, someone else can do it for you. The agent must hold a power of attorney written by the principal and bring the original valid identity document to handle the account cancellation business. If your card has not expired when canceling your credit card account, some banks stipulate that you need to go to a designated outlet to handle card collection business, and then go through the formal account cancellation procedures after a certain period of time. This is mainly because if the cardholder has made a manual card pressing transaction before canceling the account, the cardholder will have already canceled the account before the merchant has submitted the card pressing form to the bank for entry into the account, and the bank will not be liquidated normally; On the other hand, if the cardholder spends money or withdraws cash overseas, it may take a few days to settle the account. If the account is closed immediately, it will also affect the bank's normal liquidation.

How to cancel a Postal Bank credit card

1. Call the Postal Bank credit card customer service hotline to apply for cancellation. The postal bank credit card cancellation hotline is 95580. After the information is successfully verified, the card will be canceled for you.

2. Go to the nearby Postal Bank branch to apply for cancellation. Cancel the credit card through the counter staff.

In most cases, citizens who have full capacity for civil conduct (citizens over 18 years old in mainland China) and have certain direct financial resources can apply for a credit card from the card issuing bank. Sometimes, legal persons can also serve as applicants

Those who apply for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed.

Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank.

After the customer fills in the application form truthfully, he or she must also submit relevant credit certificates while submitting the completed application form. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature.

After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness. The content of the review mainly includes whether the content of the application form is true. The creditworthiness of the applying unit must be evaluated, and the relevant circumstances of the guarantor must also be reviewed for individuals.

Usually, banks will judge whether to issue a credit card to the applicant based on the application information and various aspects of the applicant's information and financial situation. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.

The specific factors and processes reviewed by the card issuing bank are commercial secrets and are generally difficult for outsiders to understand. The standards of each card-issuing bank are also different. Therefore, the same materials may be issued with different credit limits and different types of credit cards in different banks. Some banks may even approve the application, while others may reject it. .

This ends the introduction on how to cancel a Postal Savings Credit Card and how to cancel a Postal Savings Credit Card. I wonder if you found the information you need?