1. Telephone banking cancellation: Generally, credit cards can be cancelled through telephone banking.
Second, the cancellation of the bank counter: take good documents, such as ID cards and credit cards, and remember to avoid the rush hour at the bank, so as not to queue for too long and delay your normal work and life.
3. Cancellation in the business hall of the designated bank: Because there are still gaps in the regulations of banks on credit cards and there are many types of credit cards, some banks will have clear regulations on the cancellation of some credit cards. So, if you are not sure where to cancel your credit card, call the official customer service in time.
Four, must meet the conditions of credit card cancellation. Under normal circumstances, if your credit card has not been paid off, or the annual fee has not been paid, or there is a balance, it cannot be cancelled.
5. After the credit card is successfully cancelled, cut the magnetic stripe and scrape it to avoid being stolen.
Six, under normal circumstances, the bank credit card cancellation application takes 45 days to take effect.
According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.
The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.
Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.
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.
From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).
On May 25th, 2002/KLOC-0, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.
How to stop if you don't want to use a credit card?
If you don't want to use a credit card, customers can directly call the customer service hotline of the issuing bank to apply for card cancellation. Before the customer applies for cancellation of the card, it is best to confirm whether there are outstanding bills or excessive overpayments on the card.
If this is the case, the customer can't successfully close the account when applying for closing the account. Because the bank will ask the customer to pay off the arrears and take out the overpaid part before returning the card.
It is precisely because of this that after the customer applies for account cancellation, the bank will set aside 45 days to ensure that the credit card has no capital flow, and then it will officially cancel the account. In other words, the card will not be cancelled until the 46th day after the customer applies for cancellation, instead of being cancelled immediately after the application.
If the customer applies for cancellation, it is best to call the bank after 45 days to check the status of the card and see if the card has been cancelled successfully. And if the application is for the whole household to cancel the account, the customer will go to the bank for a card after half a year of successful account cancellation, which is a new customer.
The earliest credit card appeared at the end of 19. In the 1980s, the British clothing industry developed the so-called credit card, followed by the tourism and business sectors. However, at that time, the card could only be used for short-term commercial credit, and the money had to be paid back as needed. There was no long-term default and no credit line. In 1950s, McNamara, an American Manhattan credit expert, dined in a restaurant. Because he didn't bring enough money, he had to ask his wife to send money. This made him feel embarrassed, so he organized DinersClub (English: Diners Club). Members can bring their dining charge cards to 27 designated restaurants for consumption without paying cash. This is the earliest credit card. Franklin National Bank was the first bank to issue credit cards, and other American banks followed suit.
It is said that one day, Frank McNamara, an American businessman, entertained guests in a restaurant in new york. After eating, he found that he forgot to bring his wallet. He was deeply embarrassed and had to ask his wife to bring cash to the restaurant to settle the bill. So McNamara came up with the idea of creating a credit card company. 1 In the spring of 950, McNamara and his friend Schneider jointly invested110,000 US dollars to establish DinersClub in new york, the predecessor of Diners Credit Card Company. Diners' Club provides members with a card that can prove their identity and ability to pay. With this card, members can keep accounts and spend money. This kind of credit card that does not need to be handled by a bank is still a commercial credit card.
From 65438 to 0952, Franklin National Bank of California, as a financial institution, issued the first bank credit card.
1959, Bank of America issued an American bank card in California. Since then, many banks have joined the ranks of card-issuing banks. In the 1960s, bank credit cards were quickly welcomed by all walks of life and developed rapidly. Credit cards are popular not only in America, but also in Britain, Japan, Canada and European countries. Since 1970s, Hongkong, Taiwan Province, Singapore, Malaysian and other developing countries and regions have also started to issue credit cards.
The word "credit card" originally refers to this financial product introduced in this post, but before it was popular in China, there was a savings card without a credit card or even any credit card function. So the real credit card can only be called "credit card". A real credit card has the following characteristics: it is not allowed to deposit cash in advance, it can be repaid after consumption, it can enjoy an interest-free repayment period, it can be repaid in installments (the minimum repayment amount), and it can join international credit card organizations such as VISA, MASTER and JCB for global use.
How to stop the credit card?
Credit card application for cancellation can be handled by telephone or in the business hall.
Cancel the bank credit card by phone:
(1) The main card of a credit card must be cancelled by the cardholder of the main card, and the secondary card can be cancelled by the cardholder of the main card or the cardholder of the secondary card.
(2) If a secondary card is hung under the account, the user will cancel the secondary card after canceling the credit card.
(3) When handling a credit card, the user who paid the deposit should first go to the card issuer's outlet to cancel the pledge, and then cancel the credit card.
(4) If a user conducts a deposit transaction within 30 days from account cancellation to formal account cancellation, he/she must bring his/her ID card when handling the card to the card-issuing business outlet for account cancellation.
(5) After the credit card is successfully cancelled, the user needs to destroy the unused credit card by himself. Destruction methods include cutting corners, punching holes and other ways to destroy the magnetic stripe.
Deactivation of bank outlets: you need to bring your ID card and credit card to a nearby bank outlet to cancel your credit card.
How to disable a credit card How to disable a credit card?
If the credit card is deactivated, you can bring your ID card and credit card to the issuing bank to handle the business process of credit card cancellation, or call the credit card center of the issuing bank to handle the business process of credit card cancellation. The account cancellation method of electronic equipment credit card is the same as that of physical credit card. Users can apply for account cancellation for their credit card supplementary cards. Credit cards are not easy to self-market. If it is necessary to cancel the credit card in the application or the credit card issued by the customer, the user can call the credit card hotline and then go to the manual service application. This is how to stop using credit cards.
Credit card introduction
Credit card is a credit certificate issued by commercial service banks or credit card enterprises to customers whose personal credit reaches the standard. The way is to print the name, validity period, number and user name of the issuing bank on the front, and print the magnetic stripe card and signed credit card on the back. Customers with credit cards can go to specially invited commercial units to buy things or spend money, and then the bank will settle accounts with merchants and users, and users can cash out within the required amount. Credit card consumption is an easy way to pay. You don't have to pay in cash when you spend, and you can repay it when the credit card bill is issued. This article is mainly about how to disable credit cards, and the content is for reference only.
How to stop the credit card?
Credit cards can only be cancelled, and there is no card stopping procedure. \ The safest way for cardholders is to report the loss first and then cancel it, because the credit card articles of many banks stipulate that the losses caused by the loss of credit cards before the loss is reported shall be borne by the cardholders, and the losses caused by the loss reporting after it takes effect shall be borne by the cardholders. \ If the cardholder is unwilling to pay the loss reporting fee and wants to cancel the credit card directly, he should also pay attention to the following three issues. \ One is to confirm whether to cancel the account after 46 days. Credit card cancellation is generally handled through telephone banking, but telephone banking was not successful at that time. Generally, the cardholder should call the bank to confirm whether to cancel the account 46 days after returning the card, so as to avoid the bank failing to return the card for some reason, but the cardholder thinks that the card return is successful, which will cause unnecessary trouble in the future. Second, pay off all debts in time. This debt includes not only the account debt, but also the annual fee. If we pay attention to the former and ignore the latter, the cardholder's card may be in arrears after cancellation. Therefore, you must ask clearly when you cancel your card, and never leave a penny in debt. 3. Cut the magnetic stripe when the pin is stuck. If the card is complete, it may be used in some consumer places that only need to check the information. The best way is to cut the magnetic stripe into pieces and throw it into different garbage dumps to prevent people with ulterior motives from stealing it.
How to stop using credit cards
You can handle it by phone or stop using it in the business hall.
1. Cancel the bank credit card by phone:
(1) Users who meet the requirements for telephone account cancellation can apply to the bank for account cancellation by telephone.
(2) After receiving the phone call, the bank accepts the user's application for canceling the credit card, and after deducting the annual fee receivable from all the cards under its account, the account balance is zero or the customer explicitly gives up the remaining deposit in the account.
I. Precautions for canceling credit cards by telephone:
(1) The main card of a credit card must be cancelled by the cardholder of the main card, and the secondary card can be cancelled by the cardholder of the main card or the cardholder of the secondary card.
(2) If a secondary card is hung under the account, the user will cancel the secondary card after canceling the credit card.
(3) When handling a credit card, the user who paid the deposit should first go to the card issuer's outlet to cancel the pledge, and then cancel the credit card.
(4) If a user conducts a deposit transaction within 30 days from account cancellation to formal account cancellation, he/she must bring his/her ID card when handling the card to the card-issuing business outlet for account cancellation.
(5) After the credit card is successfully cancelled, the user needs to destroy the unused credit card by himself. Destruction methods include cutting corners, punching holes and other ways to destroy the magnetic stripe.
2. Bank outlet deactivation method: You need to bring your ID card and credit card to a nearby bank outlet to cancel your credit card.
3. Credit card is also called debit card.
It is a non-cash transaction payment method and a simple credit service. It is issued by banks to individuals and units, so that they can shop, spend and deposit and withdraw cash from banks. The form is a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature on the back.
Credit cards are issued to cardholders by banks or credit card companies according to the credit and financial resources of users. Cardholders don't need to pay cash when using credit cards, and the bills will be returned when they arrive. 2065438+On April 5, 2006, the central bank issued the Notice of the People's Bank of China on matters related to credit card business, canceling the late payment fee for credit cards, introducing liquidated damages, and prohibiting the collection of over-limit fees. The new regulations came into effect on April 20, 2007.
4. Credit card arrears:
Generally, you can't repay in full within 3 months, so you won't use direct repayment, and after the bank recovers the arrears, you can deposit most of them into the card in time. This is also a gesture, which means that the cardholder may forget to repay due to previous negligence and immediately fulfill the repayment obligation after being reminded.
If you don't repay the loan for three months, you will have a lot of trouble in buying a car with a loan in the future. Credit card is not recommended for others to use, because the card registered in your name on the credit record of China People's Bank cannot fulfill the repayment obligation.
What about the credit card? That's enough introduction.