Can I cancel the credit card immediately after applying for it?

New credit cards can be canceled immediately. As long as the conditions of the card-issuing bank for canceling the credit card are met, the cancellation business can be processed.

After the user has just applied for a credit card, he or she can decide whether to use the card for a long time. If it is not for long-term use, the user can apply for cancellation. There will be no impact if you apply for cancellation immediately after applying. You can also cancel the credit card you just applied for immediately without time limit. However, when applying for cancellation, the cardholder needs to ensure that there is no outstanding balance on the credit card before the cancellation can be processed.

To put it simply, you only need to ensure that the credit card account is settled before you can cancel the credit card. In addition to the requirements that there should be no debts or balances when canceling a credit card, cardholders also need to maintain a good personal credit report. The credit card can be canceled only if the above conditions are met and there are no overdue or negative records.

To cancel a credit card, first check whether your card has been activated. Inactive credit cards: Generally, credit cards will not incur annual fees if they are not activated, but there are also special credit card products of some banks that will have annual fees if they are not activated. , if you don't use it all the time, it may affect your credit record. Therefore, before you open the card, you should ask whether there will be an annual fee if you don't activate it. Before canceling, you should also confirm whether there is any annual fee balance in your account. If not, you can call the bank customer service to apply for cancellation.

Credit card cancellation method:

1. Call the bank's credit card center and ask about cancellation related 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 receivable for all cards under the account. The account balance is zero or the customer has made it clear Indicates giving up the remaining balance in the account.

3. Go to the bank counter to formally cancel the credit card. You must bring your ID card, application form, and credit card to be canceled. Go to the counter to collect the card and wait a month before canceling the transaction. The first step to cancel is to collect the card. After collecting the card, you will do the corresponding cancellation procedures one month later. However, you can also directly make an appointment to cancel the account on the day of canceling the card. In this way, you don’t have to go to the branch to apply for it after a month. The balance on the card will be transferred directly to the card that was scheduled to be closed after one month.

Can I cancel the credit card I just got?

The credit card I just got can be canceled. As long as there is no outstanding balance on the credit card, the credit card holder has the right to cancel the credit card. To cancel your credit card, you can go to a bank branch to cancel your credit card, or you can call customer service to cancel your credit card.

Credit cards refer to various media that record cardholder account information, have bank credit lines and overdraft functions, and provide cardholders with related banking services. Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; a quasi-credit card refers to a credit card in which the cardholder can A quasi-credit card that deposits a certain amount of reserve fund and can be overdrafted within the specified credit limit when the reserve account balance is insufficient for payment. The so-called credit card generally refers to a credit card only.

The application conditions that need to be met to apply for a credit card:

1. The applicant is between 18 and 65 years old and has a valid legal identity;

2. The applicant has Individuals with full civil capacity and good credit record;

3. The applicant has a stable job and income and can repay the loan on time;

4. Other conditions required by the bank.

There are many ways to cancel credit cards. Generally speaking, banks mainly cancel credit cards through the following methods:

1. Cancel credit cards at bank branches

Generally speaking, many people will choose to cancel credit cards at business outlets, because relatively speaking, canceling credit cards at business outlets is the most convenient and safe way to cancel credit cards. Cardholders can go directly to a bank branch to cancel their credit card, and just bring the credit card and ID card to be canceled and go to the branch to apply.

2. Call the customer service hotline to cancel the credit card

Nowadays, no matter what bank’s credit card it is, there is a customer service hotline, so in addition to going to a business outlet to cancel the credit card, you can also choose to use To cancel the credit card, call the bank customer service number to transfer to manual service and ask the bank customer service to cancel the credit card. This method of canceling the credit card is more convenient and faster.

Of course, credit cards generally need to be activated before they can be applied for, so some credit cards need to be activated before they can be canceled. Of course, whether they will be automatically canceled without activation depends on which bank you are dealing with. For credit cards, some banks have a time limit for credit card activation. If the card is not activated by the expiration date, the bank will automatically cancel it, and you will not be able to activate it again.

Can I cancel a credit card immediately after applying for it?

If you think you don’t like the credit card and don’t plan to use it, you can indeed apply for cancellation. However, everyone needs to note that most cards will deduct an annual fee as soon as they are activated, and some charge a hard annual fee. Even if it has not been activated, it will be deducted directly as soon as it is applied for. For this, customers need to repay the money. Cancel the card, otherwise there are unpaid bills in the card, and the cancellation application will not be successful.

Also, everyone needs to note that after applying for card cancellation, the bank will have a 45-day clearing period. After 45 days, it will be confirmed that there are no new bills in the card, and then the card will be officially canceled.

Extended information:

A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).

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. Except for some credit cards combined with debit cards, general credit cards are different from debit cards and ATM cards in that credit cards will not directly deduct funds from the user's account.

Credit cards are issued by commercial banks to individuals and organizations. They can use them to shop and consume with special organizations and deposit and withdraw cash from banks. They are special carrier cards with consumer credit. They are in the form of a card with the card issuing number printed on the front. Cards with bank name, validity period, number, cardholder name, etc., and a magnetic stripe and signature strip on the back.

A real credit card has the following characteristics: it is not encouraged to deposit cash in advance, consume first and repay later, enjoys an interest-free payment period, can repay in installments independently (with a minimum repayment amount), join VISA, MASTER Wait for international credit card organizations to make it universally applicable.

Can the credit card I just applied for be canceled?

The credit card I just received can be canceled. But this is not recommended. Because the time when the bank opens your credit card account and when you cancel the credit card is recorded on your credit report. If you cancel the card as soon as you get it, the time interval must be very short.

Next time you apply for a credit card, the bank will see this time when it checks your credit report, and it will definitely be rejected immediately.

The credit card cancellation method is as follows:

1. Cancel the credit card at a bank business outlet. Choosing a bank business outlet to cancel the credit card is the safest way to cancel the credit card. The cardholder can directly bring the credit card and ID card to be canceled to the branch for processing.

2. Dial the customer service number to cancel the credit card. Choose to use the bank customer service number to cancel the credit card. Call the bank customer service number to transfer to manual service and ask the bank customer service to cancel the credit card. This method of canceling the credit card is more convenient and faster.

Credit cards generally need to be activated before they can be applied for, so some credit cards need to be activated before they can be canceled. As for whether it will be automatically canceled if it is not activated, it depends on which bank's credit card you are applying for. Some banks have a time limit for credit card activation. If it is not activated by the expiration date, the bank will automatically cancel it, and you cannot activate it again. .

1. Application conditions that need to be met to apply for a credit card:

1. The applicant is between 18 and 65 years old and has a valid legal identity;

2. Application An individual with full capacity for civil conduct and a good credit record;

3. The applicant has a stable job and income and can repay the loan on time;

4. Other requirements required by the bank condition.

2. Relevant legal provisions of the "Bank Card Management Measures": Article 35 When a bank opens non-counter transfer business for depositors, it shall sign an agreement with the depositor to stipulate that non-counter channels will be used to transfer funds to depositors. The daily cumulative limit, number of transactions, and annual cumulative limit for transfers from non-named bank accounts and payment accounts. In addition to transferring funds to the personal account of the person, when the bank handles non-counter transfer business for individuals, and the cumulative amount in a single day exceeds 50,000 yuan, it should use digital certificates such as U-shield or electronic signatures and other safe and reliable payment instruction verification methods.

Article 36 The credit card supplementary card application materials accepted by the card-issuing bank must be signed by the main cardholder in person, a customer service call recording, an electronic signature, or a signature approved by both the cardholder and the card-issuing bank. method to confirm. You can choose the credit card that suits you.

That’s it for the introduction of whether I can cancel the credit card I just applied for.