ICBC cards are divided into debit cards and credit cards. The details of off-site cancellation are as follows:
1. If it is an ICBC debit card, it supports off-site cancellation. You can Bring your ID card and savings card to any business outlet across the country to cancel the card.
2. If it is an ICBC credit card, it does not support cancellation at off-site branches. You can call 95588 and transfer to manual service.
For ICBC savings cards, you can cancel your account in other places. Bank card cancellation process:
1. I go to the bank with my ID card and bank card to get the reservation number and queue up.
2. Explain to the service staff that you want to cancel your account, give your bank card to the bank staff, and fill in the account cancellation application form.
3. The bank card account cancellation is completed.
Other situations:
1. If there is still money in the bank card, you can withdraw all the money at the counter when closing the account.
2. If the bank card is lost, you need to apply for a new bank card before canceling the account. There is a card fee for replacing the card.
3. For debit cards, if the card is not used for a long time, it will generally be automatically frozen and will not affect your personal credit record. If it is a credit card, it will not be automatically frozen if it is not used for a long time, and it may be overdue due to annual fees.
4. To cancel a credit card account, you must withdraw the balance on the card and ensure that there is no outstanding balance on the card;
5. After the debit card account is successfully canceled, it will not affect future applications. After a credit card is successfully closed, if your personal credit has been affected by careless use of the card before, it will cause some trouble in applying for a credit card in the future.
Legal Basis
Obligations of the card-issuing bank in Article 52 of the "Bank Card Management Measures":
(1) The card-issuing bank shall inform the bank card applicant Provide information on the use of bank cards, including regulations, instructions and charging standards. Existing cardholders can also request the above information.
(2) Card-issuing banks should establish a fair and effective complaint system for bank card services and make the complaint procedures and complaint hotlines public. The card-issuing bank shall respond within 30 days to the cardholder's inquiries and correction requests regarding the accounting situation.
(3) The card-issuing bank shall provide reconciliation services to cardholders. Account statements are provided to cardholders on a monthly basis. The card-issuing bank may not provide account statements to cardholders under the following circumstances:
1. Passbooks or other transaction records have been provided to cardholders;
p>
2. No transactions have been made since the last monthly statement, and the account does not have any outstanding balance;
3. It has been separately agreed with the cardholder.
(4) The bank card statement provided by the card issuing bank to the cardholder should list the following contents:
1. Transaction amount, account balance (credit card should also list date of payment due, minimum repayment amount, and available credit limit);
2. The date when the transaction amount is credited to or deducted from the relevant account;
3. Transaction Date and category;
4. Transaction record number;
5. Name or code of the merchant as the payment object (except for off-site transactions);
6. Inquiry or report an address or phone number that does not match your billing.
(5) The card-issuing bank shall provide bank card loss reporting services to cardholders, shall set up a 24-hour loss reporting service hotline, and provide two methods of reporting loss by phone and in writing, with written loss reporting being the official method of reporting loss. The loss reporting responsibilities between the card-issuing bank and the cardholder shall be clarified in the articles of association or relevant agreements.
(6) The card-issuing bank shall explain the importance of the password and the responsibility for loss to the cardholder in the relevant card regulations or instructions for use.
(7) The card-issuing bank is responsible for keeping the cardholder’s credit information confidential.