How to cancel a credit card
1. It is recommended to cancel by phone. Call credit card customer service directly to apply. Cancellation can be made after customer service verifies personal information.
2. You can go to the bank to apply for cancellation. Bring your ID card to a nearby bank branch to cancel the card.
3. Note: Before canceling a credit card, please make sure there is no debt or balance in the account. It must be paid off according to the exact amount owed, down to the penny.
4. After canceling the card, destroy the card immediately. You can cut the card or burn it.
Credit cards can be canceled under the following circumstances:
1. The applicant does not receive the credit card. The applicant has just applied online, and the bank has not yet rushed to send the card or apply through agency channels. The salesperson did not submit the information. At this time, the cardholder can call the customer service center of the card issuer to cancel the credit card application. In this case, canceling the credit card has basically no impact on the individual.
2. The applicant has received an invalid credit card. For newly applied credit cards, if it has not been activated, there is no need to cancel the card. The general activation period is one year from the date of issue. If not activated for a specified period of time, the credit card will automatically expire.
3. Credit card in use. You must be prepared before canceling your credit card. First, you need to pay off any balance you owe on your credit card. If you save more money, you should also spend it. Make sure there is no more than a penny in your credit card account, and then call the customer service number according to the voice prompts to manually apply to cancel the credit card reservation. After the next billing date, if your account is flat, i.e. not much, not much, then your credit card can be canceled. Or you can cancel at the counter and bring the necessary documents, ID, credit card and cash. Explain the situation truthfully to staff.
Main functions of credit cards:
1. Credit cards are one of the fastest growing financial services. It is an electronic currency that can replace traditional cash flow to a certain extent;
2. Credit card has both payment and credit functions. Cardholders can purchase goods or enjoy services, or use credit cards to obtain certain loans from card issuers;
3. Credit cards are high-tech products that combine financial services with computer technology.
4. Credit cards can reduce the use of cash and money;
5. Credit cards can provide settlement services, facilitate shopping and consumption, and enhance a sense of security;
6. Credit cards can simplify payment procedures and save social labor;
7. Credit cards can promote product sales and meet social needs.
How to cancel a credit card
There are two ways to cancel a credit card:
1. Cancel the card at an outlet and apply at a bank outlet with your credit card and ID card. Cancel the card.
2. Call the bank’s customer service number to cancel the card. Remember to cut the card after canceling it.
Credit cards can be canceled under the following circumstances:
1. The applicant does not receive the credit card. The applicant has just applied online, and the bank has not yet rushed to send the card or apply through agency channels. The salesperson did not submit the information. At this time, the cardholder can call the customer service center of the card issuer to cancel the credit card application. In this case, canceling the credit card has basically no impact on the individual.
2. The applicant has received an invalid credit card. For newly applied credit cards, if it has not been activated, there is no need to cancel the card. The general activation period is one year from the date of issue. If not activated for a specified period of time, the credit card will automatically expire.
3. Credit card in use. You must be prepared before canceling your credit card. First, you need to pay off any balance you owe on your credit card. If you save more money, you should also spend it. Make sure there is no more than a penny in your credit card account, and then call the customer service number according to the voice prompts to manually apply to cancel the credit card reservation. After the next billing date, if your account is flat, i.e. not much, not much, then your credit card can be canceled. Or you can cancel at the counter and bring the necessary documents, ID, credit card and cash. Explain the situation truthfully to staff.
Main functions of credit cards:
1. Credit cards are one of the fastest growing financial services. It is an electronic currency that can replace traditional cash flow to a certain extent;
2. Credit card has both payment and credit functions.
Cardholders can purchase goods or enjoy services, or use credit cards to obtain certain loans from card issuers;
3. Credit cards are high-tech products that combine financial services with computer technology.
4. Credit cards can reduce the use of cash and money;
5. Credit cards can provide settlement services, facilitate shopping and consumption, and enhance a sense of security;
6. Credit cards can simplify payment procedures and save social labor;
7. Credit cards can promote product sales and meet social needs.
How to cancel a credit card application
The cancellation process is different for different credit card statuses
1. Under review: If it is found that the credit card application progress is under review, you can use Use the mobile phone number reserved when applying for the card, call the card issuer's 24-hour service hotline, transfer to manual service, and apply to customer service to cancel the credit card. However, whether the cancellation can be made is subject to the final result.
2. Approved: This situation means that the card has been approved successfully and cannot be canceled. If you really don’t want the credit card, you can directly call the service hotline of the card issuer and cancel the card manually after receiving the credit card. Before canceling a card, you must understand the credit card account situation clearly. If the credit card has not been opened but has been charged, you must settle the repayable account before canceling the card.
3. Waiting for interview: In this case, the applicant only passes the preliminary review and needs to be interviewed before the final review. Usually credit card interviews have a set time limit, which is specified in the interview text message sent. If you don’t want the credit card, you don’t need to go to the interview again. If the interview is not completed within the specified time, the system will automatically end the credit card application.
4. Approval rejected: The credit card approval failed and the application was automatically terminated. In this case, there is no need to cancel it yourself.
1. The difference between canceling a card and canceling an account
1. Cancellation of a credit card
Canceling a credit card only deactivates your card. As the name suggests, you cannot use the card normally. , and many people forget about it after canceling the card, and some just throw it aside. However, if someone picks up your card, criminals will use your magnetic stripe information to re-card it and use it for consumption. Unknown to you, the bank will notify you to repay when the credit card statement comes out. If you don't pay attention, you will be overdue. Risks and unnecessary trouble! However, when you cancel your credit card and apply for a credit card again, the bank cannot treat you as a new user and you will not receive bank discounts or new account benefits.
2. Credit card account cancellation
Credit card account cancellation refers to the complete deletion of your personal bank credit card information account. The system does not have all your information, and the card requires you to cut it off with scissors. Magnetic strip. If you apply for a card again, you will be treated as a new user. Some banks are vindictive when it comes to closing accounts. Please think twice about closing accounts.
How to cancel a credit card
Contact credit card customer service or bring your ID card to the bank counter to cancel.
1. If you still owe money after canceling your credit card, you can pay it off at the bank counter, otherwise interest and late payment fees will continue to accrue. This may ultimately lead to adverse legal consequences.
2. According to the "Interpretation of the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Law in Handling Criminal Cases of Obstructing Credit Card Management" (Fa Interpretation [2009] No. 19):
Sixth Article 19 If a cardholder exceeds the prescribed limit or overdrafts within the prescribed period for the purpose of illegal possession, and fails to return the card for more than 3 months after being called upon twice by the issuing bank, it shall be deemed as "malicious" as stipulated in Article 196 of the Criminal Law. Overdraft". Malicious overdraft, if the amount is more than 10,000 yuan but less than 100,000 yuan, shall be deemed as a "relatively large amount" as stipulated in Article 196 of the Criminal Law; if the amount is more than 100,000 yuan but less than 1 million yuan, it shall be deemed as a "large amount" under the Criminal Law. "Huge amount" as stipulated in Article 196; if the amount is more than 1 million yuan, it shall be deemed as "especially huge amount" as stipulated in Article 196 of the Criminal Law.
The amount of malicious overdraft refers to the amount that the cardholder refuses to return or the amount that has not yet been returned under the conditions specified in the first paragraph.
Excludes compound interest, late fees, handling fees, etc. charged by the issuing bank
3. Article 196 of the "Criminal Law" Whoever engages in credit card activities under any of the following circumstances and the amount is relatively large shall be sentenced to a prison sentence of not more than five years Or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, the sentence shall be not less than five years but not more than 10 years, and also a fine of not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other serious circumstances, If there are other particularly serious circumstances, he shall be sentenced to not less than 10 years in prison or fined not less than 50,000 yuan but not more than 500,000 yuan, or his property may be confiscated:
(1) Using a forged credit card, or using a false identity Proving that the credit card was obtained fraudulently;
(2) Using an invalid credit card;
(3) Pretending to use another person’s credit card;
(4) Malicious Overdrawn. If you apply to cancel the credit card during the credit card application process, you can cancel the credit card after approval from the bank. Generally, cancellation is not allowed during the credit card processing process. If you must cancel, please be prepared with convincing and reasonable reasons for cancellation. The general process for canceling a credit card is: 1. Prepare documents; 2. Submit an application and inform the reason; 3. Accept the application and check the status; 4. Cancel the card application. Prepare documents. Before canceling your credit card application, you must first prepare your personal identification materials (such as ID card, mobile phone number, debit card of the bank, etc.) for bank inspection. Make an application and tell the reason. First submit an application to cancel the credit card application to the bank. When submitting the application, the bank will first confirm the identity of the applicant and check whether it is the person applying for the card. The applicant then fills in the cancellation reason required by the bank and informs the bank of the reason for canceling the credit card application. Accept the application and check the status. After the bank understands the applicant's reason for cancellation, it will determine whether the reason is "tenable", that is, whether the reason for cancellation is reasonable. If reasonable, the next step is to check the credit card approval status. If the credit card is still in the approval process, you can cancel it smoothly; if the credit card has been approved, it cannot be canceled.
What should I do if I no longer want the credit card I applied for? You can cancel through these methods
Many people are always hesitant to apply for a credit card. After applying, they are still wondering whether it is necessary to apply for a card. Some people even do not want a card after submitting the application and have to apply for it. Cancel credit card. So, what should you do if you no longer want a credit card after applying for it? Let’s find out together below.
How to cancel the credit card application if I no longer want it?
Actually, there are solutions if you no longer want a credit card after applying. However, you need to know the progress of your credit card application. It is recommended that you check the credit card approval status through the official credit card website and WeChat official account, and then take corresponding steps. The specific measures are as follows:
1. Under review:
If you find that the credit card application is under review, you can use the mobile phone number reserved when applying for the card to call the card issuing bank at 24 Hourly service hotline, transfer to manual service, submit credit card cancellation application to customer service, but whether it can be canceled will be subject to the final result.
2. Approval:
This situation means that the card has been successfully approved and cannot be canceled. If you really don’t want the credit card, you can directly call the service hotline of the card issuer and cancel the card manually after receiving the credit card. Before canceling a card, you must understand the credit card account situation clearly. If the credit card has not been opened but has been charged, you must settle the repayable account before canceling the card.
3. Waiting for interview:
This situation only passes the preliminary review and needs to be interviewed before the final review. Usually credit card interviews have a set time limit, which is specified in the interview text message sent. If you don’t want the credit card, you don’t need to go to the interview again. If the interview is not completed within the specified time, the system will automatically end the credit card application.
4. Review rejected:
The credit card approval failed and the application was automatically terminated. In this case, there is no need to cancel it yourself.
The above is the relevant introduction to "What to do if you no longer want the credit you applied for". I hope it will be helpful to everyone. In short, if you no longer want the credit card after applying, you can check the card application progress and adopt different cancellation methods according to the card approval status.
How to cancel a credit card (debit card) application?
The methods to cancel a credit card (credit card) are:
1. Cancel by phone: call the credit card (credit card) center number of the bank corresponding to the credit card (credit card) processed. , provide your identity information and ask the staff to cancel the credit card (debit card).
2. No activation: The credit card (credit card) must be activated after it is received before it can be used normally. If the credit card (credit card) is not activated after it is received, it will be the same as canceling it and will not have any impact.
3. Cancellation at the counter: Bring your ID card and credit card (debit card) to a bank branch to handle the cancellation business (all outstanding balances must be paid off before cancellation).
This ends the introduction on how to cancel a credit card application and how to cancel an order. I wonder if you found the information you need?