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

2. You need to bring your ID card and credit card directly to the bank counter for cancellation;

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

4. If the card is successfully cancelled, the ATM machine will display that the card is invalid; If the credit card can be used normally, you must contact the bank customer service in time and then cancel the card again.

1. Definition:

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

it is in the form of a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit. Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment will be made on the Billing Date.

II. Classification:

Credit cards can be divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which cardholders have a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.

III. Other information:

From January 1, 221, the credit card overdraft interest rate will be determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate will be cancelled (the original upper limit is .7 times of the daily interest rate, and the lower limit is .5 times of the daily interest rate). On May 25th, 221, the Supreme People's Court promulgated and implemented the Provisions of the Supreme People's Court on Several Issues Concerning the Trial of Civil Disputes over Bank Cards.

The Credit Card stipulated in the relevant laws of China (Interpretation of the NPC Standing Committee on the Provisions on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or some functions such as consumer payment, credit loan, transfer settlement, cash deposit and withdrawal. On December 1, 217, the Standard for English Translation and Writing in Public Service Fields was officially implemented, and the English name of the credit card was stipulated.