Call the issuing bank to cancel the credit card. After receiving the call, the bank will accept the user's application to cancel the credit card, and deduct the annual fee receivable from all the cards under his account, and the account balance will be zero or the customer will definitely give up the remaining deposit in the account.
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.
Cash advance deposit is not encouraged. You can enjoy an interest-free repayment period and can repay in installments (minimum repayment amount). Join VISA, Master Card, JCB and other international credit card organizations, which are universal.
It is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range.
It has two functions: payment and credit. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers.
It is a high-tech product integrating financial business and computer technology.
Can reduce the use of cash currency.
It can provide settlement services, facilitate shopping and consumption, and enhance the sense of security.
It can simplify the collection procedure and save social labor.
It can promote commodity sales and stimulate social demand.
If the credit card is no longer used for personal reasons, it is recommended to cancel it immediately after paying off the money. You can keep the following conditions:
1, for credit cards that have not been issued, even if they are not going to be activated, they should be cancelled, otherwise an annual fee will be charged. It is recommended to cancel the credit card within one month after issuing the card, and no later than 12 months. What needs to be reminded here is that the bank counter does not provide credit card cancellation service. Most banks require cardholders to call the customer service of the bank's credit card center to apply for cancellation of their credit cards. There is a customer service phone number corresponding to the credit card center on the back of the credit card.
2. For credit cards that have been used normally, you must pay off the arrears before you can apply to the bank for cancellation. After the bank agrees and registers the account cancellation, the credit card will enter a 6-month freeze period (also called risk period, the specific time may vary from bank to bank, usually between 45 days and 6 months). If there is no new debt on the card during the freezing period, the card will be officially cancelled after the freezing period.
3. After the card is successfully cancelled, it is best to cut the credit card magnetic card yourself. In addition to the fact that credit cards cannot be cancelled due to arrears, some people save more money than they owe when they repay, resulting in a balance on their credit cards and the inability to return them. Suggest spending the balance.