Call the credit card customer service hotline to cancel the credit card: there is a 24-hour customer service phone on the back of the credit card. Customers can call to cancel their credit cards. After the customer makes a phone call, he will ask the human customer service staff to explain the specific situation according to the relevant telephone prompts, and the customer service staff will assist in handling it. However, it will take several working days and cannot be cancelled immediately. (Tips: Some banks do not support credit card counter account cancellation)
Cancel at the credit card bank counter: customers can cancel their credit cards at the credit card bank counter, not necessarily at the bank where they opened the account. For example, the credit card of Bank of Communications can be cancelled at any bank of communications counter. The premise is that the customer must guarantee to settle the credit card arrears, and I will personally handle the account cancellation business.
If you no longer use your credit card for personal reasons, you should cancel it in time to avoid being used maliciously.
First, for the credit card that has not been opened, if the customer does not intend to activate it, it is also necessary to cancel the credit card, otherwise the customer will have to pay an annual fee. It is recommended to cancel the credit card in time within one month after issuing the card, no later than one year. Most bank counters do not provide credit card cancellation service. Cardholders need to call the bank credit card customer service number to apply for cancellation of their credit cards (24-hour customer service phone number can be seen on the back of the credit card).
Second, after the cancellation of the credit card, the credit card will enter a 6-month freeze period, also known as the risk period (the situation of different banks may be different, generally between 45 days and 6 months). During the freezing period, the customer has no new arrears, and the card will be officially cancelled after the freezing period.
Third, historical records show that the earliest credit card appeared at the end of 19. From 65438 to 1980s, the British clothing industry first developed credit cards, and then the tourism and business sectors followed suit. At that time, the card could only be used for short-term commercial credit, not long-term arrears, and there was no so-called credit line.
Generally speaking, credit cards are mostly cards with a length of 85.60 mm, a width of 53.98 mm and a thickness of1mm. The name and number of the card issuer and other related contents will be printed on the front, and the signature strip will be printed on the back. Cardholders can use their own cards to spend in some specific units, and they can enjoy certain preferential strength. The first bank to issue credit cards was Franklin National Bank in California. As early as 1952, they seized the opportunity and became the first bank to issue credit cards. Since then, many banks have issued their own bank cards, and this queue is getting bigger and bigger. In 1960s, bank credit cards were welcomed by all walks of life and developed rapidly. Credit cards have become popular in many countries. In the 1960s, credit cards have been developed for more than 50 years and widely used in most countries in the world. In 1980s, credit cards formally entered the China market and developed rapidly.