There is no time limit for placing a credit card and you can cancel it at any time:

1. Call the bank customer service hotline to cancel the card

2. Bring your ID card and credit card to the bank counter to cancel the card

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies 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 cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card.

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 bill date. It is divided into credit card and quasi-credit card. 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; quasi-credit card refers to a credit card in which the cardholder pays as required. 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.

Classification:

1. According to different card issuers, they can be divided into bank cards and non-bank cards

2. According to different issuing objects, they can be divided into Corporate cards and personal cards

3. According to the credit status, status and other credit conditions of the cardholder, they can be divided into ordinary cards and gold cards

4. According to the different repayment methods , credit cards can be divided into credit cards and quasi-credit cards

5. According to the different circulation scope of credit cards, they can be divided into international cards and regional cards

Main features

1. Pre-depositing cash is not encouraged. Spend first and repay later. Enjoy an interest-free repayment period. You can repay in installments (with a minimum repayment amount). Join VISA, Master Card, JCB and other international credit card organizations for global use. .

2. It is one of the fastest growing financial services today and is an electronic currency that can replace traditional cash circulation within a certain range.

3. It has both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using their credit cards.

4. It is a high-tech product that integrates financial services and computer technology.

5. Can reduce the use of cash currency.

6. Can provide settlement services to facilitate shopping and consumption and enhance a sense of security.

7. It can simplify the collection procedures and save social labor.

8. Can promote product sales and stimulate social demand.