How to cancel the credit card if it is not activated?

The method to cancel an unactivated credit card is as follows:

1. Call the 24-hour customer service number on the credit card to apply for cancellation. The customer service will cancel the card for you after confirming your identity;

< p>2. Go directly to the bank counter to handle the cancellation procedure, you need to bring your ID card and credit card;

3. 45 days after applying for cancellation, insert the credit card into the bank ATM machine, and then check the status of the credit card;

4. If the card is canceled successfully, the ATM machine will show that the card has expired; if the credit card can be used normally, be sure to contact the bank customer service in time and cancel the card again.

1. Definition:

A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.

It is in the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

2. Classification:

Credit cards are divided into credit cards and quasi-credit cards. A credit card means that the cardholder has a certain credit limit and can use it within the credit limit. A credit card that is repaid after consumption; a quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, the quasi-credit card can be overdrawn within the specified credit limit. The so-called credit card generally refers to a credit card only.

3. Other information:

Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rate will be cancelled. The original upper limit is 5/10,000 of the daily interest rate, and the lower limit is 0.7 times the daily interest rate of 5/10,000). On May 25, 2021, the Supreme People's Court issued and implemented the "Regulations of the Supreme People's Court on Several Issues Concerning the Trial of Bank Card Civil Cases".

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , electronic payment cards with full or partial functions such as cash deposit and withdrawal_On December 1, 2017, the "English Translation Standards for Public Service Fields" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.

How to cancel an unactivated credit card

When a bank credit card is not activated, there are two ways to cancel: 1. Cancel at the bank counter; 2. Call the bank customer service number and use independent voice prompts Find a human operator to help with manual logout. It should be noted that 45 days after applying for cancellation, you need to verify whether the credit card cancellation is successful. If not, the card will be canceled again.

The following is a detailed introduction to the two methods:

1. You can apply at the counter of a bank branch, bring your original ID card and credit card, and go to a nearby bank branch on bank working days Cancellation is performed at the counter and the cancellation matters are handled according to the staff's instructions. After completion, the bank will arrange cancellation.

2. To cancel the card, call the customer service hotline of the card issuer and select manual service. The customer service staff will ask questions to verify the identity and the reason for canceling the card, and then cancel the card.

Generally speaking, if a credit card is not activated, it will not incur annual fees, and it will not affect the cardholder's credit. You just need to leave it there and ignore it. When the credit card expires, there will be no activation during the period. Automatically invalidated, credit cards are usually valid for three years.

After canceling a credit card, be sure to cut up the invalid credit card to prevent the credit card from being stolen. Because a canceled credit card still has the risk of continued fraudulent use.

If you apply for a credit card again after canceling the card, the bank will still consider your personal qualifications from all aspects, and will not relax the requirements for card approval just because you have successfully applied for a credit card before. It will also measure the income situation after the card is cancelled, the change status of the job, and the increase in property, etc. If you have no income after canceling the card, or you are engaged in restricted industries, even if you have successfully applied for a credit card before, the bank will not approve it to the user again.

How to cancel an unactivated credit card

The method to cancel an unactivated credit card is as follows:

1. Call the 24-hour customer service number on the credit card to apply for cancellation, and the customer service will confirm the identity. The card will be canceled for you later;

2. Go directly to the bank counter to handle the cancellation procedure, and you need to bring your ID card and credit card;

3. Go to the bank ATM machine 45 days after applying for cancellation and insert it the credit card, and then check the status of the credit card;

4. If the cancellation is successful, the ATM machine will show that the card has expired; if the credit card can be used normally, be sure to contact the bank customer service in time and cancel the card again .

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 be applicants.

Applicants 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. To apply for a credit card, an individual 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 according to the content, the customer must also submit the relevant credit certificate 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 credit card without activation and how to cancel a Minsheng Credit Card without activation. Have you found the information you need?