If the card has not expired, you need to apply first, and then go to the bank for account cancellation after a certain period of time; If the card has passed the validity period and the account balance is zero, you can go directly to the designated bank outlet to cancel the account.

when closing the account, you should bring the original valid ID card and card. If it is inconvenient for me to go through the formalities of closing the account, someone else can do it for you. The agent must hold the power of attorney written by the principal (himself) and bring the original valid identity certificate to handle the account cancellation business.

if the card has not expired when the credit card is cancelled, some banks stipulate that it is necessary to handle the card collection business at the designated outlets, and then go through the formal account cancellation procedures after a certain period of time (up to 3 days).

This is mainly because if the cardholder has made a manual credit card transaction before closing the account, the cardholder has already closed the account before the merchant submits the credit card slip to the bank for entry, so the bank can't settle the account normally; On the other hand, if the cardholder is in consumption abroad or withdraws cash, it may be several days before liquidation. If the account is cancelled immediately, it will also affect the normal liquidation of the bank.

Extended information

There are five things to pay attention to when canceling a credit card

First, it is difficult to apply for a credit card from this bank after canceling the card.

sometimes banks actually hold grudges. That is to say, after canceling a bank's credit card, if you want to apply for a bank's credit card later, you may be rejected by this bank.

second, don't cancel the credit card before the bill is settled.

Some people have their credit cards reduced or frozen by the bank just after swiping them, which may lead to their remaining credit card bills not being settled. But ... If you cancel your credit card before the bill is settled, most banks will not allow it to be cancelled.

If a small number of banks agree to cancel, you must also pay off all the bills on the next bill repayment date. Never leave such unsettled bills, otherwise your personal credit investigation will definitely produce overdue records later. At that time, it will be very difficult to handle personal loan business such as mortgage or car loan.

Third, if you cancel an inactive credit card, you should pay attention to whether this credit card will generate a new year fee.

many people think that credit cards that have not been activated and used will not generate annual fees. However, in fact, some special credit cards will generate annual fees even if they are not activated. Therefore, when you cancel the credit card that has not been activated, you must ask the bank whether your credit card has generated an annual fee. Don't damage your personal credit information because of the annual fee.

4. within 45 days after the card is cancelled, it is necessary to check again whether the cancellation has been completed.

many people think that the credit card has been cancelled anyway, and the bank has already gone through all cancellation procedures, so there is no need to worry about it. However, if the credit card is cancelled before the bill is paid after consumption.

it may lead to the failure to cancel the credit card because the bill has not been paid off. If you don't check whether the cancellation is successful again, your personal credit information may be damaged later because the bill is overdue.

5. After canceling your credit card, you must remember to cut it.

Many cardholders think that after the credit card is cancelled, they don't have to take care of it, and they can't swipe it anymore anyway. But if the credit card is a chip card, it makes sense to have this idea. But if the cancelled credit card is a credit card with a magnetic stripe, this idea should not be.

Because personal information will remain in the magnetic stripe of the credit card with magnetic stripe, if such a credit card is not cancelled, it is likely that personal information will be leaked, and the cancelled credit card or the credit card still in use will be stolen by others.

Baidu encyclopedia-account cancellation