If the card has not expired, you need to apply first, and then go to the bank to cancel the account after a certain period of time;
If the card has expired and the account balance is zero, you can directly cancel the account at the designated bank outlet.
When closing the account, you should bring your valid ID card and the original card. If it's not convenient for me to close the account, someone else can help you. The agent must hold the power of attorney written by the principal (himself) and bring the original valid identity certificate to handle the account cancellation business.
Extended data:
skill
When it is necessary to cancel the account, you can first call the customer service hotline of China Bank to handle the pre-cancellation account, and then stop the credit card consumption or cash withdrawal transaction (except repayment). If there is a balance in the card, you can handle the transaction of "returning the credit balance of the cancellation account" within 45 days after the pre-cancellation, and withdraw the balance free of charge.
1. If the balance in the account has been cleared after 45 days of pre-sale, the bank will automatically close the account without going through any formalities at the counter.
2. When the main card is cancelled, all the subsidiary cards under its name are cancelled, and the cancellation of the subsidiary cards does not affect the use of the main card.
3. The pre-cancellation account must be applied by the cardholder of the main card, including the case that the secondary card cancels the account separately.
References:
Baidu Encyclopedia-China Bank Credit Card Report Loss Guide?