How to cancel a credit card and cancel an account

1 Cancellation of a card: We usually cancel the card. You can cancel it directly by calling the customer service hotline, or you can go to the nearest location with your valid ID and credit card. Handled at bank branches.

Before canceling the card, we also need to confirm that there is no outstanding balance in the card. If there are still outstanding balances, interest, handling fees or other charges, it cannot be canceled. Correspondingly, if there is an overpayment on the card, the bank will refund it to us. Moreover, any transaction within 45 days of canceling the card will result in failure to cancel the card, so it is best to call after 45 days to inquire whether the cancellation is successful.

2 Account cancellation: Credit card cancellation refers to the cancellation of a single credit card, while account cancellation means that the user cancels all bank cards under the name of his or her card-issuing bank. If we want to cancel our account, we need to bring our original valid ID and go to the counter of any business outlet to handle it.

If our account has been contracted for special business, such as third-party depository, financial management and other services involving third parties, we need to cancel the contract within the jurisdiction of the branch before canceling the account.

Whether it is a card cancellation or an account cancellation, we must destroy the old card after cancellation, because our information exists in the bank card. If it is used by criminals, we will submit a new credit card to the bank. If you apply, there will be a risk of being swiped.

How to cancel a credit card account?

To cancel a credit card, you can first use your mobile phone to call the customer service number of the bank's credit card center and choose the cancellation service according to the voice prompts. Secondly, you can choose to cancel at the bank counter and bring your identity. Please fill in the card cancellation application form at the bank with your ID card and credit card. If the credit card has no outstanding balance or excess deposit 45 days after processing, it can be successfully canceled.

1. Credit card, also known as credit card, is a non-cash payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. They are issued to cardholders by banks or credit card companies based on the user's creditworthiness and financial resources. Cardholders do not need to pay cash when making purchases with a credit card. Make further repayments.

2. Except for some credit cards that are combined with financial cards, general credit cards are different from debit cards and ATM cards. Credit cards will not directly deduct funds from the user's account. In February 2012, the bank confirmed that credit cards without passwords are more secure, and they share the responsibility for any fraud. Enjoy an interest-free period of 25-56 days (or 20-50 days).

3. Card consumption enjoys an interest-free period. If you pay off the bill before the due date, no fees will be incurred. There is no interest-free repayment period for cash withdrawals, and a daily interest rate of 0.05% will be charged from the day of withdrawal. The bank will also charge a certain percentage of cash withdrawal fees.

4. In the 1960s, credit cards sprouted and developed rapidly in developed European and American countries such as the United States, Canada, and the United Kingdom. After more than 50 years of development, credit cards have been widely accepted in more than 95% of countries around the world. In the 1980s, with the reform and opening up and the development of the market economy, credit cards began to enter China as an electronic and modern consumer financial payment tool. In the past ten years, they have developed by leaps and bounds.

5. After experiencing the financial crisis and the ups and downs of the domestic economy, China's credit card market rebounded in 2010. By the end of 2010, the total number of domestic credit cards issued had exceeded 200 million. In 2010, the national credit card inter-bank transaction amount reached 5.11 trillion yuan, and the consumption amount was 2.7 trillion yuan. The proportion of credit card consumption in the total retail sales of consumer goods continues to increase.

Please click to enter the picture description (maximum 18 words)

How to cancel a credit card

If the customer wants to cancel the credit card under his name, directly call the hotline of the card-issuing bank Just call the customer service staff and turn to "0" to apply.

If there is an offline branch of the card-issuing bank near where you work or live, the customer can also bring his or her personal ID card and credit card to the branch counter to apply for cancellation.

Everyone needs to note that after submitting a cancellation application, the bank will generally not cancel the card for the customer immediately. Instead, it will leave a forty-five-day settlement period until the forty-five days have passed. , confirm that there are no new bills or excess overpayments on the card, and then the card will be officially canceled for the customer.

If there are unpaid bills or excess overpayments on the card, the cancellation cannot be successful.

Therefore, it is recommended that customers check the card situation before applying to cancel the card. If there is an unpaid bill, pay off the bill as soon as possible; if there is excess overpayment, then Quickly withdraw the overpayment first, and then apply for cancellation.

This is the end of the introduction on how to cancel an account after canceling a credit card and how to cancel an account after canceling a credit card. I wonder if you found the information you need?