How to cancel a credit card by phone? These matters must be paid attention to

In many cases, we will consider canceling credit cards, especially for inactive credit cards, because it may affect personal credit, and the best way is to cancel them. There are many ways to cancel a credit card. Some people ask if they can cancel by calling. Let’s take a look at how to cancel a credit card.

How to cancel a credit card by phone?

There are two common ways to cancel a credit card, one is to cancel by calling, and the other is to cancel at the counter. The specific operation process is as follows:

1. Call to cancel: that is Use the reserved mobile phone to call the 24-hour credit card customer service hotline of the issuing bank, transfer to manual service, and submit an application to cancel the credit card to the customer service. After verifying your identity, the customer service will check whether you meet the credit card cancellation conditions, and if so, they will handle it for you. Cancel the card.

2. Cancellation at the counter: Bring your ID card and credit card directly to the counter branch of the card issuing bank to cancel the card. The staff will ask you to fill in a card cancellation form and then cancel the card for you. This method can be done in person and is relatively safer.

However, whether you cancel the card over the phone or at the counter, these matters need to be paid attention to:

1. Credit card cancellation cannot be done by others, it must be done by the cardholder himself.

2. When canceling a credit card, all outstanding balances on the card must be paid off in advance without any overpayment;

3. There are 45 days after the credit card is canceled to officially cancel the account. During the transition period, if there is any debt incurred during this period, the cancellation cannot be successful;

4. If there is an overpayment in the card, it is recommended to go to the counter to take it out 45 days after the date of account application and handle the account cancellation settlement. clear.

The above is the relevant introduction to "How to cancel a credit card by phone". All in all, whether you call to cancel a credit card or cancel a credit card at the counter, it is best to cancel the credit card directly. This way you will become a new customer of the bank and it will be more convenient to apply for a credit card in the future.

Can I cancel my credit card by calling?

Yes.

The person who cancels the card over the phone must do so in person, and customer service will verify the information with the person who canceled the card over the phone. There are also a few banks that require you to go to a designated location to cancel your credit card. It should be noted that after going to the designated location to cancel your credit card, it is best to call to confirm whether the card cancellation was successful.

In addition, cardholders can also bring their ID cards and credit cards to any local outlet to cancel their cards. After filling in the account cancellation application form, the bank will report a copy of the cardholder's ID card and the filled account cancellation application form to the head office. After a period of time, the cardholder can call to verify whether his or her credit card has been cancelled.

Notes on credit card account cancellation

1. If the credit card is lost, you need to apply for a new credit card before canceling the account. There is a card fee for replacing the card.

2. 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.

3. When canceling a credit card, there is generally a "clearance period" of about 45 days to ensure that there are no delayed transactions on the card before it can be cancelled.

4. Canceling a card does not mean canceling the account. All outstanding debts must be paid off before canceling the account. After applying for account cancellation, it will generally take 45 days for it to officially take effect. Points will be cleared after the account is canceled.

Closing your credit card account is something you must do if you no longer intend to use your credit card. If you do not cancel your account, the bank will charge the credit card's annual fee.

As long as there is no overdraft on the card, you can apply for account cancellation at any time.

If the card has not expired, you need to apply first and go to the bank to cancel the account after a certain number of days; if the card has expired and the account balance is zero, you can go directly to the designated bank outlet to cancel the account. Account procedures. When canceling an account, you should bring the original valid identity document and card. If it is inconvenient for you to go through the account cancellation procedures, someone else can do it for you. The agent must hold a power of attorney written by the principal (in person) and bring the original valid identity document to handle the account cancellation business.

If your card has not expired when canceling a credit card account, some banks stipulate that you need to go to a designated outlet to handle the card collection business, and then go through the formal account cancellation procedures after a certain period of time (up to 30 days) . This is mainly because if the cardholder has made a manual card pressing transaction before canceling the account, the cardholder will have already canceled the account before the merchant has submitted the card pressing form to the bank for entry into the account, and the bank will not be liquidated normally; On the other hand, if the cardholder spends money or withdraws cash overseas, it may take a few days to settle the account. If the account is closed immediately, it will also affect the bank's normal liquidation.

Can I cancel a credit card by calling?

Can I cancel a credit card by calling? This is also a more traditional method. Users can also bring their credit card and ID card to the bank counter to cancel the credit card, which is a waste of time. When the cardholder calls to cancel the credit card, the relevant information will be verified, and then the user will be helped to submit the application.

When canceling a credit card, the cardholder must pay off the balance on the card without overpayment. There is also a need to confirm that the credit card will not incur annual fees, only in this way can the user cancel smoothly. The credit card cannot be used after the cancellation application is submitted. If you continue to use it, the cancellation will fail.

When canceling a credit card, you must distinguish between card cancellation and account cancellation. If the cardholder simply cancels the card, he or she can ask the bank to reissue a new card at a later stage. If the account is closed, the bank no longer has the applicant's information. If you want to regain a credit card from this bank, you must resubmit the information application.

After the cardholder submits an application to cancel the credit card, he needs to call the credit card customer service hotline 45 days later for confirmation. If the logout is not successful, the user can ask the reason and continue to log out after making improvements. If the cancellation is successful, the cardholder can cut the card with scissors. Do not throw it away until the cancellation is successful to prevent malicious people from taking advantage of it.

Credit cards that are no longer in use must be canceled promptly

Bank of China’s customer service hotline for credit card cancellation

Bank of China’s customer service hotline is 95566 or 400-669-5566

Extended information:

Credit card cancellation:

There are two ways to cancel a credit card:

1. Cancel the card by calling the customer service hotline. Cardholders can directly call the customer service hotline of Bank of China at 95566 or 400-669-5566. After dialing, they will be transferred to manual service. After proving their identity, they can submit a card cancellation application to the customer service staff, and then the customer service staff will handle it for you. Card cancellation procedures.

2. Cancellation of cards at bank branches. Cardholders can bring the Bank of China credit card you want to cancel and your ID card to a Bank of China branch near you, and then go to the bank counter to find a staff member to cancel the card. It should be noted that all outstanding balances must be paid off before canceling a credit card.

Specific process:

1. Call the bank’s credit card center and ask about cancellation matters. It mainly depends on whether your card is suitable for cancellation, whether there is a balance, etc.;

2. Use the phone to cancel the credit card. After the bank receives the call, it will accept the user's application for canceling the credit card and deduct the annual fees payable for all cards under the account. The account balance is zero or the customer has explicitly given up the remaining deposits in the account.

3. Go to the bank counter to formally cancel the credit card. The cardholder must bring his or her ID card and the credit card to be canceled to the bank to fill out a card cancellation application form. The card may be collected first and the corresponding card cancellation procedures will be done one month later. However, you can also directly make an appointment to cancel the account on the day of card cancellation.

Credit card cancellation is divided into card cancellation and account cancellation. After canceling the card, it is recommended to cancel the account, otherwise there may be some problems in applying for a credit card again; if there are still points in the credit card to be canceled that have not been used up, it is recommended to redeem them all first. Then cancel the card; after submitting the credit card cancellation application and before it is officially effective, the cardholder should not use the credit card again, otherwise the card cancellation application will be automatically revoked; after formal cancellation, cut along the credit card's magnetic strip and discard it to prevent theft.

Can I call to cancel my credit card?

Yes, I can call to cancel my credit card.

Unlike debit cards, which require you to bring your ID card to the card-issuing bank to cancel your account, after you have settled your credit card bill and cleared any excess deposits, you can directly call the service hotline of the card-issuing bank and transfer it to manual customer service to apply for account cancellation. When canceling the account, you need to provide the customer service with your credit card, ID number and other information to confirm your identity. After canceling the credit card, it is recommended to cut the credit card into pieces along the magnetic strip or chip before discarding it.

Canceling a credit card normally will not have any impact. The so-called normal means that all credit card debts have been paid off and there are no overdue records; in this way, you can cancel it. If the credit card is overdue and causes bad personal credit during the period of use, the bad credit will still exist even if the credit card is canceled, but it will be eliminated five years after all the debts are paid off.

So if you cancel your credit card because of bad credit, it is an unwise choice. The correct way is to continue to use the card, maintain a good repayment record, and use new good credit in the future The record covers old bad credit records. Generally, when canceling a card, it is required that the card has no arrears or overpayments, that is, the card cannot have one more point or less than one point. Therefore, stop using this card first, and after the bill is issued, repay it according to the bill amount, accurate to the minute. Not more and not less. The last thing you need to pay attention to is whether the number of credit card swipes reaches the annual fee-free policy.

However, it should be noted that canceling a credit card over the phone may seem simple, but there are many things you need to pay attention to:

1. Before canceling, you must ensure that there is no outstanding balance on the credit card or Balance;

2. To cancel by phone, you must use the mobile phone number reserved when applying for the card to call the customer service number of the card issuer, and transfer the manual service to the customer service to help cancel;

3. Customer service meeting Ask the cardholder some questions to verify the identity. Generally, you need to tell the ID number that was valid when applying for the card, as well as your address, etc.;

4. After canceling by phone, you have to wait 45 days before the official cancellation is successful. Fortunately, I called again on the 46th day to confirm the cancellation status.

Improper credit card cancellation will affect your credit. Please pay attention to the following points when canceling your card:

1. The card fee or annual fee has not been settled: It takes a while to cancel a credit card. If charges are incurred during this period but the user fails to pay off the charges, the overdue charges will be reported to the credit bureau, thus affecting personal credit.

2. Create a bad impression on the bank: The use of canceling the card will create a bad impression on the bank, which will have an impact on the limit increase of other credit cards.

Can I cancel a credit card over the phone?

Yes. You can cancel your credit card by calling.

After confirming that there is no excess deposit in the credit card and no unpaid balance, the cardholder can directly call the customer service number of the credit card center of the card-issuing bank to cancel.

Credit card customers have to pay a certain amount of fees when withdrawing the overpaid funds or funds deposited in their credit card accounts when making repayments. This amount can increase the available limit of your credit card or be used directly for consumption repayment.

If there is an overpayment on the credit card, the overpayment will be deducted first and then the credit limit. If the overpayment is greater than the consumption amount, there will be no overdraft. No interest is accrued on overpayments.

CreditCard is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.

The form of a credit card is a card with the name of the card-issuing bank, validity period, number, cardholder name, etc. printed on the front. Consumers holding credit cards can go to a special commercial service department for shopping or consumption, and then The bank makes settlements with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

The functions of credit cards:

1. It facilitates people’s lives and saves them the trouble of carrying cash. There are no geographical restrictions on the use of credit cards. No matter when you swipe the card anywhere in the country, As long as there is a UnionPay logo, you can swipe it, and there is no handling fee;

2. You can participate in various discounts and discounts organized by merchants and banks;

3. Earn money by swiping your card. Points can be redeemed for gifts;

4. Timely repayment after swiping the card will improve personal bank credit.

Uses of credit cards:

1. Shopping.

2. Microcredit.

3. Save money.

4. Save money when shopping.

5. Credit card value-added services, get cheap insurance and travel.

6. Credit certificate.

Credit card cash withdrawal methods are:

1. Cash withdrawal at the counter:

Card holders can bring their credit card to any bank counter and submit a cash withdrawal application to the staff. , and then enter the withdrawal password with its help to withdraw cash.

2. Bind the card to withdraw cash:

The cardholder can bind the credit card to a peer savings card in credit card online banking, and then transfer the credit limit to the savings card. Then use the debit card to spend, this behavior is also called cash withdrawal.

3. Withdraw cash from an ATM teller machine:

Insert your credit card into the ATM teller machine, enter the payment password of the credit card, select cash withdrawal, then enter the cash withdrawal amount, and finally confirm.

The methods of credit card repayment are:

1. Repayment through ATM machine. Cardholders can go to the bank's ATM machine, insert the card for deposit, and deposit the money into the credit card to repay the money.

2. Mobile banking repayment. All major banks have mobile banking software. Once installed on your mobile phone, you can repay credit cards.

3. Alipay repayment. Alipay has a credit card repayment function. Click "Credit Card Repayment" on the homepage to repay after binding the credit card.

4. WeChat repayment. There is a credit card repayment function on WeChat. Click "Me" - "Pay" to see the "Credit Card Repayment" function.

5. Repayment at bank counter. Cardholders can go to bank branches with their credit cards, ID cards and cash and handle credit card repayment over the counter.

That’s it for the introduction to credit card phone cancellation.