According to Cai Xiao, credit card has become one of the indispensable payment methods for most people's daily expenses because of its convenience. Many spendthrift people can get it in half an hour at the earliest after applying for a credit card, but it takes more than half an hour to cancel it.

Netizen Ms. Bai complained that in May 438+February last year, she wanted to cancel a Bank of Communications credit card she held. During this period, she was pushed by the customer service of Bank of Communications and made three customer service calls. It took three months to successfully cancel the card.

In fact, in order to retain users, many bank credit card customers often dissuade them for various reasons when they first request to cancel their credit cards. Or increase the quota, give points, avoid annual fees and other means to retain users. At this time, the progress of card withdrawal is virtually delayed. At the same time, some netizens don't understand that credit cards can't be cancelled whether they are in arrears or overpayment. Therefore, we should pay attention to whether the credit card is in debt, or pay attention to the annual fee, interest and value-added service fee before returning the card, so as to reduce unnecessary troubles in the process of returning the card.

Cai Xiao reminded everyone that the current credit card sales are generally faced with the problem of "taking a long time", so if the cardholder wants to return the card, he should make preparations in advance as far as possible. "It is best to know the card opening time and account cancellation time, and leave enough time to cancel the card before the start of the next year's charging period, so that you can get the service as much as possible without paying the annual fee."