First, see if your card is activated.

Inactive credit card: In general, there is no annual fee for inactive credit cards, but there are also some special credit card products of individual banks, and there are also annual fees for inactive credit cards. I'm afraid that not using it all the time will affect the credit record. So before opening the card, ask clearly whether there is an annual fee if they are not activated. In addition, please make sure that there is any balance of annual fee arrears in your account before cancellation. If not, you can call the bank customer service to apply for cancellation.

02

Credit card cancellation method

1. Call the bank credit card center to ask about cancellation, mainly depending on whether your card is suitable for cancellation, whether there is a balance, and so on.

2. Cancel the credit card by phone. After receiving the call, the bank will accept the user's application to cancel the credit card, and deduct the annual fee receivable from all the cards under his account, and the account balance will be zero or the customer will definitely give up the remaining deposit in the account.

3. Go to the bank counter to officially cancel the credit card. You must bring your ID card, application form and credit card to cancel. Go to the counter to get the card transaction, and then wait a month to cancel the transaction. The first step to cancel the account is to receive the card, and then do the corresponding cancellation procedures one month after receiving the card, but you can also make an appointment to cancel the account directly on the day of card cancellation. So you don't have to go to the outlet after waiting for a month. The balance on the card will be directly transferred to the card after 1 to cancel the account at that time.

03

Precautions for credit card cancellation

1, credit card cancellation is divided into card cancellation and account cancellation.

2. If there are points left in the credit card that need to be cancelled, it is recommended to exchange them all.

3. After submitting the card cancellation application, the cardholder shall not use the credit card again before it takes effect, otherwise the card cancellation application will be automatically revoked.

4. The cardholder will cut off the magnetic stripe of the credit card and discard it to prevent it from being stolen.