To cancel a credit card, you must first confirm that there is no debt in the card, and then you can apply to the bank to cancel the card. However, a citizen has paid off the debt and the card has been collected. Why is there still a charge? Did you find the information about annual fee deduction?

A certain citizen, Mr. Chen, applied for an ICBC credit card when he was in Changsha. At that time, ICBC employees came to apply for it, but he never used it. Got a job in the field. Once I went back to Changsha to go to the Lushan branch (the one on the old campus of Central South University) and paid off the outstanding balance (about 60 yuan) at the counter. At that time, I made it clear to the counter staff to cancel the credit card. , they collected the money and the card at that time, and Mr. Chen thought the matter was settled.

As a result, recently, I unexpectedly received a text message from ICBC saying that the annual fee will be charged for canceling the credit card that I lost. Mr. Chen was asked to quickly swipe the card 5 times or spend a certain amount of yuan overseas to waive the annual fee for that year.

Because it was strange that the card that had been canceled was still charged, so Mr. Chen called 95588. Their credit card center actually said that the card was still in a normal activation state.

Xiao Cai will remind the big guys here. To cancel the card, you must go to the bank in person to cancel the card. Before canceling the card, you must also confirm with the bank whether there is any outstanding balance. The outstanding balance here includes: annual fee, management fee, etc., and confirm with the bank 45 days after the application is made. No canceled card is successful. This is to avoid records of unaccounted expenses, such as annual fees, or accounts that were spent after the end of the last month. Therefore, you must confirm whether your credit card has been successfully canceled after 45 days. At the same time, do not use credit cards during this 45-day period. If the cancellation is successful, the card must also be cut to prevent criminals from picking it up and using the credit card to steal the money.