If your credit card has been activated, it will not be cancelled automatically, and you will often have to pay an annual fee if you don't use it.
So if your credit card is sure not to be used again, I suggest you take the initiative to cancel it at the bank, so as not to endanger your property and credit security.
Precautions for credit card cancellation are as follows:
1. Before canceling the credit card, make sure that the account has no debt and no balance;
2. When canceling the credit card, call the customer service phone of the credit card to apply for cancellation.
3. Credit card cancellation is completely free, and there is no cancellation fee.
Here, everyone needs to know that credit card cancellation is not cancellation. If you just return the card, the customer information will still be retained, and this information will be completely eliminated only after the account is cancelled. Moreover, the more credit cards, the better. You only need 2-3 cards.
Financial management strategy
1, control the number of credit cards, enough is enough.
Once there are too many credit cards, it is easy to get the repayment date of this card wrong and forget the credit limit of that card, which is difficult to manage, and it is easy to cause overdue repayment and leave a bad record. Moreover, multi-card credit card points, too scattered points are not conducive to redemption of gifts. Therefore, it is suggested that only 1~2 credit card is enough.
2. Keep credit card vouchers
Most credit card holders don't care about these documents, and they won't keep them. Most of them are thrown away, which is a very bad habit. In fact, keeping good credit card vouchers is not only convenient for summarizing consumption records every month, and then analyzing and optimizing consumption habits, but also helpful for improving the rationality and transparency of credit card consumption, so as to clearly understand credit cards. Moreover, many people's credit cards do not have passwords, and discarding credit card vouchers at will may lead to the theft of credit cards.
For safety reasons, it is best to keep credit card vouchers after consumption, so that you can know fairly well and develop good credit card financial habits.
3. Reduce cash withdrawals
Credit cards have two functions: overdraft and cash withdrawal, but cash withdrawal requires a certain percentage of handling fees, and even if you deposit your own money, you have to charge. Therefore, it is not cost-effective to use a credit card to withdraw cash as a passbook.
Step 4 choose the right credit card
The choice of credit card is very important. Nowadays, many commercial organizations have bundled cooperative business with banks. For example, they can set up a joint credit card of a department store and the corresponding bank, and they can spend points here as members and get discounts. Or some cards can be discounted at designated merchants, including eating, watching movies, towing services, etc. , there are many names, and you can choose freely according to your own needs. Use your credit card well and choose it well.