How to cancel a credit card?

The main ways to cancel credit cards are:

1. Cancellation at the card-issuing bank outlet:

Cardholders can bring their personal ID cards and credit cards to the card-issuing bank offline. Go to the counter of the business hall branch to apply for cancellation of your credit card and go through the cancellation procedures with the help of the staff.

2. Customer service phone cancellation:

Card holders can directly call the customer service hotline of the credit card center of the issuing bank. After the call is answered, follow the phone voice prompts to transfer to manual service and report to work The employee applies to cancel the credit card and waits for the staff to verify the personal identity before canceling the credit card.

3. Go through bank card cancellation procedures over the counter at bank branches: All major banks have windows for credit card cancellation. Please bring relevant personal documents, such as ID card and credit card. If you owe money on a credit card, bring cash and pay off the debt;

4. Cancel the credit card through official online banking: All major banks in China have online banks where you can submit and fill in your ID card and credit card data. To apply for account cancellation, submit the application and wait for the bank to call you to confirm;

5. Cancel the credit card through the official credit card customer service phone: Dial the official credit card service hotline, transfer to manual service, and ask the manual customer service to apply for cancellation of the credit card. Before making a call, be careful not to have any debt or balance on your credit card, otherwise you will not be able to cancel the account;

6. Cancel credit card through the bank’s official official account or the credit card’s official official account: all major banks in China have There is an official official account. As long as you bind the card and find the credit card cancellation, you can cancel the credit card on the official account;

7. Cancel the credit card through the bank's official APP: major banks include credit card services The center may have a personal official website APP, and you can cancel your credit card directly on it.

How to cancel a credit card?

The process of canceling a credit card:

1. Submit a cancellation application to the card issuing bank. There are two ways to apply for card cancellation:

(1) Apply for credit card cancellation through online banking or by holding the card at the counter of the local card-issuing bank branch.

(2) Call the customer service hotline of the card-issuing bank, follow the voice prompts to complete the relevant operations, and submit a card cancellation request to the customer service;

2. Cut off the credit card that has been successfully canceled: To prevent credit card and personal information from being stolen, remember to cut the discarded credit card along the magnetic strip after successfully canceling the card. If your credit card is lost when applying for card cancellation, in order to ensure privacy and security, it is best to apply for a loss report first and then go through the card cancellation process.

3. Pay off all bill arrears, and make sure there is no balance overflow: before canceling the card, we need to confirm whether we have paid off all the arrears on the current card.

4. Wait for inspection Period: The usual bank inspection period for confirming card cancellation is 45 days, but some banks may also take it within three months. After applying for card cancellation, the credit card will not be canceled immediately. All banks generally have a 45-day "clearance period". Some debts may not appear on the bill when applying for card cancellation. If there is a debt, you need to After the debt is paid, after this period has passed, you can confirm whether the cancellation application has been successful.

How to cancel a credit card and cancel an account

Credit card cancellation and account cancellation are two different concepts. If you want to completely cancel a credit card account, the cardholder needs to make a clear request to the bank to cancel the account. Otherwise, banks will generally just cancel the credit card and retain the cardholder's account information.

Settlement of arrears in a timely manner before closing the account: All arrears must be paid off before the account is closed. Do not go through the account cancellation procedures when the arrears have not been settled, otherwise the account cancellation is likely to fail.

Application method:

In most cases, citizens who have full capacity for civil conduct (citizens over 18 years old in mainland China) and have certain direct financial resources can apply to Apply for a credit card from the card issuing bank. Sometimes, legal persons can also be applicants.

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed.

Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank.

After the customer fills in the application form truthfully, he or she must also submit relevant credit certificates while submitting the completed application form. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature.

Folding review

After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness. The content of the review mainly includes whether the content of the application form is true. The creditworthiness of the applying unit must be evaluated, and the relevant circumstances of the guarantor must also be reviewed for individuals.

Usually, banks will judge whether to issue a credit card to the applicant based on the application information and various aspects of the applicant's information and financial situation. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.

The specific factors and processes reviewed by the card issuing bank are commercial secrets and are generally difficult for outsiders to understand. The standards of each card-issuing bank are also different. Therefore, the same materials may be issued with different credit limits and different types of credit cards in different banks. Some banks may even approve the application, while others may reject it. .

How to cancel a credit card

Credit card cancellation process:

1. Verify credit card accounts

Before canceling a credit card, the cardholder needs to Confirm whether you have paid off all the credit card debts. If you have not paid off the debts, you should pay off the debts before applying to cancel the credit card.

2. Points Processing

When cardholders cancel their credit cards, they first need to check their credit card points. Based on their current credit card points, try to redeem some gifts or phone bills. , don’t waste your credit card points. After all, these are the points you accumulate every time you swipe the card. After canceling the credit card, the credit card points will be cleared.

3. Preliminary account cancellation

Credit card holders can go through the pre-account cancellation procedures by calling the bank’s customer service center, and then go to the bank outlet counter to formally cancel the account.

4. Formal account cancellation

The cardholder goes to the bank to apply for account cancellation. After 45 days, the bank needs to confirm that all the credit card debts have been paid off and all the debts have been repaid. Once cleared, you can cancel your account.

5. Card Destruction

After the user cancels the credit card account, the bank will destroy the card.

Credit card cancellation method:

1. Call the bank’s credit card center and ask about cancellation related matters. It mainly depends on whether your card is suitable for cancellation, whether there is a balance, etc.; use the phone to cancel the credit card After receiving the call, the bank will accept the user's application for canceling the credit card, and after deducting the annual fees payable for all cards under the account, the account balance will be zero or the customer has explicitly given up the remaining deposits in the account.

2. Go to the bank counter to cancel the credit card. The cardholder must bring his or her ID card and the credit card to be canceled to the bank to fill out a card cancellation application form. The card may be collected first and the corresponding card cancellation procedures will be done one month later. However, you can also directly make an appointment to cancel the account on the day of card cancellation.

In addition, credit card cancellation is divided into card cancellation and account cancellation. After canceling the card, it is recommended to cancel the account, otherwise there may be some problems in applying for a credit card again; if there are still points in the credit card to be canceled that have not been used up, it is recommended to cancel all the points first. Cancel the card after redemption; cardholders should not use the credit card after submitting the credit card cancellation application until it is officially effective, otherwise the card cancellation application will be automatically revoked; after formal cancellation, cut along the credit card's magnetic strip and discard it to prevent theft.

If the cardholder's credit card limit is very low and they choose to cancel the credit card at this time, the cardholder also needs to pay attention to his or her card holding situation. If this is the first time you apply for a credit card, it is recommended that you do not cancel it, because with this credit card you can better maintain your personal credit. By swiping the card to improve your personal credit, it is also very useful for applying for credit cards from other banks in the future. Helpful.

If the cardholder holds a very large number of credit cards and thinks that his or her credit cards are enough and wants to cancel the credit card, the cardholder also needs to seriously consider when applying for cancellation. If he or she holds too many credit cards, It will become more and more difficult to apply for a card, and it will become easier to cancel it.

How to cancel a credit card account

You can cancel a credit card account through the following methods:

1. You can go to the corresponding branch bank with your ID card and related credit card Sign out at the counter.

2. Call the bank customer service hotline directly, and then transfer to manual service, and ask the manual customer service to apply for cancellation of the credit card.

3. You can upload your ID card, credit card and other information to the official online banking, fill in the account cancellation application and submit it.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

There are two ways to cancel a credit card

There are actually two ways to cancel a credit card: card cancellation and account cancellation.

Canceling a card means canceling a single credit card in one's name, while canceling an account means canceling all credit cards in one's name in a certain bank.

For example, we have three different types of credit cards in a bank. If we cancel the card, only one credit card will be canceled. If we cancel the account, all three credit cards will be canceled. Log out.

If we are unwilling to keep a credit card from a certain bank, we should choose to close the account instead of canceling the card.

Methods to cancel a credit card

There are generally two ways to cancel a credit card: customer service phone cancellation and bank branch cancellation.

Customer Service Telephone Cancellation

We can call the bank's credit card customer service telephone number to enter the manual service and inform the manual that we need to cancel the credit card. Under normal circumstances, the manual customer service will try to retain us. After we explicitly refuse, the customer service will help us handle the cancellation business.

Cancellation at a bank branch

We can go to a bank branch to handle the cancellation business with our ID card and credit card. We can also complete the cancellation after filling in the corresponding procedures.

Notes on canceling credit cards

1. Before canceling, check whether the card has available points, activities that can be participated in, benefits that have not been enjoyed, etc. In order to avoid waste, it is best to It is better to handle the cancellation business after full use.

2. Pay off all credit card debts and confirm that there are no other installment transactions.

3. When canceling, the bank customer service will try their best to retain you, including providing lifetime annual fee-free services, giving away points, etc., so be mentally prepared.

4. After successfully canceling the credit card, destroy the card in a timely manner.

5. Account cancellation may affect your future application for a credit card from this bank.

This ends the introduction on whether you need to go to the bank to cancel a credit card or cancel a credit card. Have you found the information you need?