How to cancel the credit card of CITIC Bank

Generally speaking, the credit card is cancelled, and the pre-authorization of the credit card means cancelled.

There are two ways to cancel CITIC Credit Card:

1. Cancel at the counter of CITIC Bank. Counter cancellation requires you to bring your credit card and ID card, and then give it to the counter staff for cancellation.

2. The telephone of CITIC Bank was cancelled. Call the customer service telephone number of CITIC Bank at 48895558 to apply for cancellation.

There will be a review period for canceling the credit card. The bank will review whether there is any demand for the credit card or unpaid debts during the cancellation stage. If there is none, the bank will help you cancel it. Remember to cut the card after cancellation.

Cancellation method of credit card pre-authorization of CITIC Bank:

1. The merchant cancels directly at checkout; Effective immediately.

2. Cancellation by fax. In view of the fact that the pre-authorization transaction cannot be cancelled at the merchant's end, the merchant can fax the information to CITIC (fax number: 755-2583263) within 3 days of the pre-authorization transaction. The contents of fax materials include pre-authorization amount, authorization number, transaction date and other information, and must be stamped with the legal and effective financial official seal of the merchant, and the processing time is 3-5 working days.

3. Automatic cancellation. The merchant has not handled the transaction, and the automatic cancellation time limit is generally 3 days.

What is a credit card?

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, 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.

Advantages and disadvantages of credit card:

1. Advantages:

Avoid carrying a lot of cash, spend points convertible into gifts, understand consumption habits through consumption bills, control consumption, make money by using interest-free period, use credit card for daily consumption, buy low-risk and liquid wealth management products in cash, and get interest income quickly, which is convenient for dealing with emergencies. When the repayment record is good, the credit rating can be improved. 2. Disadvantages:

It is easy to make people have no planning, no sense of crisis, strong dependence on credit cards, resulting in unnecessary impulsive consumption, and they tend to buy luxury goods, which is beyond their actual purchasing power. In order to repay the credit cards, they dare not give up their jobs, miss the opportunity to try, and cannot save their savings.

How to return the credit card

Credit card return can be done by the cardholder at the credit card issuing bank or by contacting the customer service of the issuing bank by telephone:

1. If the cardholder is selected to return the card at the credit card issuing bank, he/she must first report the reasons for the card return to the relevant handling personnel of the bank and fill in the corresponding application form for cancellation of the credit card. After the handling personnel verify the identity information of the cardholder, the card can be returned.

2. If you choose to contact the credit card issuing bank by phone, you can directly call the bank's credit card hotline, and then directly apply to the customer service for card refund, and provide your own relevant identity information so that the customer service can check the information.

note: however, if the credit card is in arrears, including annual fees and handling fees, it is necessary to pay off the corresponding arrears before returning the card.

cancellation status

if you don't intend to continue using your credit card, you must cancel your account. If you don't cancel your account, the bank will charge you an annual fee for your credit card.

you can apply for account cancellation at any time if the card is not overdrawn.

if the card has not expired, you need to apply first, and then go to the bank to cancel the account after a certain period of time; If the card has passed the validity period and the account balance is zero, you can go directly to the designated bank outlet to cancel the account.

when closing the account, you should bring the original valid ID card and card. If it is inconvenient for me to go through the formalities of closing the account, someone else can do it for you. The agent must hold the power of attorney written by the principal (himself) and bring the original valid identity certificate to handle the account cancellation business.

if your card has not expired when you cancel your account, some banks stipulate that you need to go to the designated outlets to receive the card, and then go through the formal account cancellation procedures after a certain period of time (up to 3 days).

This is mainly because if the cardholder has done a manual card pressing transaction before closing the account, the cardholder has already closed the account before the merchant has submitted the card pressing form to the bank for entry, so the bank will liquidate.

On the other hand, if the cardholder is in consumption abroad or withdraws cash, it may be several days before liquidation. If the account is cancelled immediately, it will also affect the normal liquidation of the bank.

How to cancel CITIC Credit Card

1.

Cancel the counter of CITIC Bank. Counter cancellation requires you to bring your credit card and ID card, and then give it to the counter staff for cancellation.

2.

CITIC Bank cancelled the phone. Call the customer service telephone number of CITIC Bank at 48895558 to apply for cancellation. There will be a review period for canceling the credit card. The bank will review whether there is any demand for the credit card or unpaid debts during the cancellation stage. If there is none, the bank will help you cancel it. Remember to cut the card after cancellation.

The invention of credit cards is like a double-edged sword, which can solve the temporary economic crisis. However, the purpose of issuing credit cards is to make money. Once the interest-free repayment time is exceeded, high interest will be charged, usually five ten thousandths of the daily interest.

Blindly spending money by swiping a card is not like spending money one by one like paying cash. When you swipe it, you feel nothing. A few figures lead to blind spending and spending money like water.

Over-consumption of notebooks, digital cameras and smart phones should be phased in. While enjoying your favorite items in advance, you should also consider whether you can repay them.

high interest. if you can't handle your credit card, and you can't repay it as scheduled when the final repayment date comes, the bank will charge you high interest. (The minimum repayment of a credit card in the first month shall not be less than 1% of its overdraft amount in the current month) [8]

Credit cards that need to pay an annual fee basically have an annual fee, but basically there is a policy of exempting the annual fee. For example, CCB can waive it as long as it swipes it three times a year; But if you don't swipe your card the number of times specified by the bank in a year, you need to charge an annual fee.

Stealing a credit card is basically a password-free credit card consumption by default, which makes it easy to be stolen by others when it is lost or stolen, causing unnecessary trouble or loss; But in fact, credit cards can also be used to charge by password-it depends on how you manage your credit card. Of course, many people, because of their lack of experience in this field, have not cancelled their credit cards and have been re-applied for credit card overdraft by some lawless elements, which is not worth it.

Long-term malicious arrears affecting personal credit records will naturally affect personal credit records and even be blacklisted by banks. In the future, if you want to borrow money from banks to buy a house or car, you may be rejected by banks.

Cancellation Trouble CCTV once reported that a cardholder had received a bank bill several months after paying off all the debts and canceling his credit card, and the subsequent events made him miserable. This article entitled "Unclear Credit Card" exposed the disadvantages of current credit cards.

although the credit card has an interest-free period, it is only for credit card consumption. There is no interest-free period for cashing, and there is a handling fee.

This is the end of the introduction about how to return CITIC Credit Card and how to return CITIC Credit Card. Did you find the information you need?