It's getting easier and easier to apply for a credit card now. Many people have actually applied for credit cards, but they can't stand the introduction and temptation of business people, even if there is no actual demand for cards. Therefore, many people do not activate their cards and leave them idle. Mind you, it's dangerous, so it's better to cancel it as soon as possible. So, how to cancel an inactive credit card? The following describes the cancellation process of disabling credit cards.
First of all, if you don't need a credit card and don't activate it, you must cancel it immediately, otherwise it will bring you hidden dangers.
Then, there are two ways to cancel the credit card provided by the bank, and the cancellation of the deactivated credit card is also applicable:
1, bank counter cancellation process
Bring your valid ID card and inactive credit card to any card-issuing bank outlet and ask the staff to cancel the credit card. Many banks cancel credit card business without going to the counter to go through the relevant formalities. There will be a special staff in the lobby to handle it for you, and the staff will ask you to fill out the application form for canceling your credit card.
2, customer service telephone cancellation process
Call the bank's customer service directly, choose the process and operation according to the voice prompt, or press "0" directly to switch to manual service and apply to the customer service staff for cancellation of the inactive credit card. The customer service staff asks you to verify your identity, and then will accept your cancellation application.
How to cancel an inactive credit card?
The cancellation procedures for disabling credit cards are as follows:
1, bank counter cancellation process:
First of all, the cardholder should bring his valid ID card and inactive credit card to the business outlets of the nearby card-issuing bank and ask the staff to fill out the application form for account cancellation. Then the staff will confirm the information and enter the data. After entering the information, the bank will inform you that the cancellation has been arranged. Please check whether the cancellation is successful after 45 days.
2, customer service phone cancellation process:
Call the bank customer service directly, select the process and operation according to the voice prompt, or press "0" directly to switch to the manual service and apply for cancellation from the customer service staff. After providing the ID number as required, it can be cancelled.
How to cancel the credit card if it is not activated?
In fact, it is very simple to cancel an inactive credit card. The applicant can bring his ID card and credit card, find the relevant staff in the branch of the bank to which the credit card belongs, and then cancel it.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with 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 specialized 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 limits.
The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc.
20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.
Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit.
Credit cards generally refer to credit cards.
From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).
On May 25th, 2002/KLOC-0, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.
19 15 The credit card originated in the United States. The earliest institutions that issued credit cards were not banks, but some department stores, restaurants, entertainment industries and gasoline companies.
In order to attract customers, sell goods and expand turnover, some shops and restaurants in the United States selectively give customers a credit chip similar to a metal badge in a certain range, which later evolved into a card made of plastic as proof of customers' purchase and consumption, and used the credit chip to buy goods in our firm or company or gas station and launch credit sales services. Customers can buy goods on credit in these chip shops and their semicolons, and pay on time. This is the prototype of credit card.
How to cancel the credit card if it is not activated?
The method to cancel an inactive credit card is as follows:
1. Call the 24-hour customer service phone on the credit card to apply for account cancellation, and the customer service will cancel the account for you after confirming your identity;
2. Go directly to the bank counter for cancellation procedures, and you need to bring your ID card and credit card;
3. Insert the credit card into the bank ATM 45 days after applying for account cancellation, and then check the status of the credit card;
4. If the card is successfully cancelled, ATM will show that the card has expired; If the credit card can be used normally, you must contact the bank customer service in time, and then cancel the card again.
In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.
The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get 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 guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.
After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.
Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.
How to cancel an inactive credit card (debit card)?
There are two ways to cancel an inactive credit card (debit card):
1. Go to the bank counter where the credit card (debit card) is located to cancel the credit card (debit card) with personal identification and credit card (debit card);
2. Call the national unified customer service hotline of bank credit card (debit card), enter personal ID information and bank card number, and cancel through independent voice operation, or directly transfer to manual customer service to apply for manual cancellation.
General credit cards (debit cards) are not activated, that is, they are not used, so there will be no unnecessary annual fees. However, some banks will treat inactive credit cards (debit cards) differently, depending on the regulations of each bank. If the credit card (debit card) is actually used after activation, you may wish to cancel it as soon as possible to avoid unnecessary trouble for yourself in the future.
How to cancel the credit card if it is not activated?
The method to cancel an inactive credit card is as follows:
1. Call the 24-hour customer service phone on the credit card to apply for account cancellation, and the customer service will cancel the account for you after confirming your identity;
2. Go directly to the bank counter for cancellation procedures, and you need to bring your ID card and credit card;
3. Insert the credit card into the bank ATM 45 days after applying for account cancellation, and then check the status of the credit card;
4. If the card is successfully cancelled, ATM will show that the card has expired; If the credit card can be used normally, you must contact the bank customer service in time, and then cancel the card again.
I. Definition:
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers.
It is a card with 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 specialized 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 limits. Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.
Second, the classification:
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
This is the end of the introduction on how to cancel the account with an inactive credit card and how to cancel the card with an inactive credit card. I wonder if you have found the information you need?