For most cardholders, when holding multiple bank cards, they want to cancel some unnecessary bank cards. In other words, too many credit cards or cards that have not been used for a long time should be cleared, and it is best to cancel them. At present, there are two ways for banks to sell cards: telephone and counter. So, what do I need to provide to cancel my credit card by phone?

What do I need to provide to cancel my credit card by phone?

If the cardholder chooses to cancel by telephone, he/she must provide his/her valid identity certificate and the mobile phone number reserved when handling the card. At the same time, when the cardholder cancels the phone, he needs to answer relevant questions according to the telephone information of the bank staff, and only after the answer is correct can he apply for a credit card. The cardholder needs to call the service hotline of the issuing bank with the mobile phone number reserved when handling the card. After switching to manual customer service, the customer service will ask the cardholder to report the ID number and confirm that it is the cardholder himself. If the ID number is wrong, he will refuse to cancel the credit card, only if the ID number is correct.

Generally, there is a period, usually 45 days, for a cardholder to apply for a card refund and successfully return the card. During the card withdrawal period, the cancelled credit card cannot be used except for normal repayment. If the cancelled credit card still has arrears, and the user fails to repay it within the card refund period, the cancellation will affect the cardholder's personal credit information.