1. How can I cancel my credit card if it is controlled?

1. Call the bank's customer service, follow the prompts to check the arrears first, and pay them off first.

2. Select the labor service. If the general customer service authority is not enough, ask to transfer the manager to talk.

3. After being transferred to the manager, ask the reason for the card closure, and generally answer questions.

4. Generally, after answering the questions, the other party will ask the debtor to provide the transaction receipt or invoice. If there is no receipt or invoice, you can show the other party that you have not asked the merchant for it or lost it.

5. After that, the debtor will generally be required to submit special information, and the mobile phone will remain open for one week. At that time, there will be customer service to ask the debtor to sign a letter of commitment, promising not to be overdue and not to use the card illegally.

First of all, the debtor should know why the credit card is frozen, because the bad use of the credit card, overdue debts and other acts are banned by the bank, and the cardholder himself needs to apply to the bank for unfreezing.

If you need to lift the freeze on the day of paying off the arrears, you can bring your card and ID card to the counter of the local card center to apply. If you can mention it, you can mention it on the same day.

If it cannot be unfrozen, it means that the card has been forcibly cancelled by the bank and can no longer be used. In this case, the general bank will contact the customer himself to inform the reason and the handling result. If the reservation information is incomplete, you can only apply at the counter.

Second, what should I do if I really have no money to pay back my credit card?

1. Use the minimum repayment function. Every bank will have a minimum repayment function. As long as the minimum repayment amount is paid, the bank will not charge late fees and will not affect personal credit. But the minimum is to charge interest, five ten thousandths of interest every day, so you only need to pay the minimum. Although the pressure will be reduced, it will generate compound interest, which will be more troublesome and can only be used for temporary relief.

2. Use the segmentation function. If there is pressure on repayment, you can directly apply for bill installment. Generally, banks provide installment functions of 3, 6, 9, 12, 18 and 24. You can choose the number of installments according to your repayment ability, which can relieve the repayment pressure without affecting your credit.

3. Change the bill date to extend the repayment period. The billing time can't be changed casually. Generally speaking, it can only be changed once every six months. Some banks change it once a year, while others can only change it once.

4. Actively negotiate with the bank to explain the situation. If it is really because of special circumstances such as work, you can take the initiative to call the bank, explain the reasons, prove that it is not malicious and there are reasons, and discuss whether you can delay repayment. Don't ignore the bank just because you changed your phone, so your personal credit will be lost unless you don't deal with the bank in the future.

In the management of credit card, if the debtor fails to repay the credit card debt and the credit card holder commits illegal and criminal acts, the credit card will be frozen, and the corresponding treatment methods are different for different freezing reasons. If the credit card holder is frozen due to illegal and criminal acts, it is generally not allowed to apply for unfreezing the credit card at this time.