The process of credit card cancellation:

1. Call the bank's customer service phone to apply for credit card cancellation. Note that at this time, the bank customer service will generally retain you. If you decide to cancel the card, don't listen to him "fool" and insist on canceling it.

2. There will be a 3 -45-day settlement period from the telephone application for cancellation to the official cancellation. Never use credit card again during this period.

3. 4 days after cancellation, call the customer service of the bank to confirm whether the cancellation is successful, so as to avoid leaving a bad record for yourself because of the unsuccessful cancellation for special reasons.

4. Don't throw away the cancelled credit card anywhere. Cut the magnetic stripe before throwing it away, so as to avoid being picked up by criminals and causing losses to yourself.

before canceling the credit card, be sure to ensure that there is no balance, no debt or extra deposit in the credit card. Because once the credit card has a balance, it cannot be cancelled.

Extended information:

There are several points to note when canceling the credit card:

1. Pay off all debts in time. This arrears includes bill arrears and annual fees. If there is still arrears in the card, the card will be directly cancelled regardless. After the interest is accrued, if the amount reaches a certain amount, the bank will start to "collect debts"!

confirm whether to close the account after 2 or 45 days. Credit card cancellation is usually handled through customer service, but it is not successful at that time. When the card is cancelled, the account will enter the pre-cancellation status, and it will take 45 working days to know whether the account is successfully cancelled.

3. Cut the magnetic stripe when you pin the card. If the card is complete, it may still be used in some consumer places that only need the card number without checking the information. The best way is to cut the magnetic stripe into several pieces and throw them in different garbage dumps to prevent future troubles!