Can I cancel my credit card?
Benefits of credit card cancellation
1. Avoid credit card arrears: Credit card cancellation can avoid credit card arrears, because after cancellation, the cardholder can no longer use the credit card, so there is no possibility of arrears.
2. Avoid credit card theft: Credit card cancellation can avoid credit card theft, because the cardholder's credit card account will not exist after cancellation, so there is no possibility of credit card theft.
3. Avoid credit card abuse: Cancelling a credit card can avoid credit card abuse, because after cancellation, the cardholder's credit card account will not exist, so there is no possibility of abuse.
Precautions for credit card cancellation
1. Repay the arrears before cancellation: If the cardholder has credit card arrears, he must repay them before cancellation, otherwise the credit history of the cardholder may be affected.
2. Settle the bill in time before closing the account: If the cardholder has outstanding bills, settle the bill in time before closing the account, otherwise the credit history of the cardholder may be affected.
3. Settle the installment payment in time before cancellation: If the cardholder has outstanding installment payment, settle the installment payment in time before cancellation, otherwise the credit history of the cardholder may be affected.
How to cancel the credit card correctly
1. Telephone cancellation: the cardholder can call the customer service phone of the issuing bank and apply for cancellation of the credit card to the customer service staff, who will cancel the card according to the cardholder's requirements.
2. Online cancellation: the cardholder can log on to the website of the issuing bank and apply for cancellation of the credit card on the website, and the issuing bank will cancel it according to the cardholder's requirements.
3. E-mail cancellation: the cardholder can send an e-mail to the card-issuing bank and apply for cancellation of the credit card in the e-mail, and the card-issuing bank will cancel it according to the cardholder's requirements.
Matters needing attention after canceling credit card
1. Destroy the card in time after cancellation: after the credit card is cancelled, destroy the card in time to avoid being stolen by others.
2. Confirm the cancellation in time after cancellation: After the cancellation of the credit card, confirm the cancellation in time to avoid unnecessary trouble.
3. Deal with the account balance in time after account cancellation: Deal with the account balance in time after credit card cancellation to avoid unnecessary losses.
conclusion
Credit cards can be cancelled. Cancellation of credit cards can avoid problems such as credit card arrears, credit card theft and abuse. However, before cancellation, it is necessary to repay the arrears, settle the bill in time and pay by installments. After cancellation, you should destroy the card in time, confirm the cancellation and deal with the account balance, so as to cancel the credit card correctly and avoid unnecessary trouble.