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 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 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 you the annual fee for your credit card.

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 makes purchases 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 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.

Can I cancel a credit card over the phone?

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.

The credit card must have at least the following information: front: name and logo of the issuing bank, credit card number (organization logo) and holographic anti-counterfeiting mark, name in English or Pinyin, activation date (usually calculated to month), The validity date (usually calculated in months), the latest issued card has a chip on the front, and the chip account and the card magnetic stripe account are two relatively independent accounts. Back: card magnetic stripe, cardholder signature field (must sign after activation), service hotline number, last four digits or all of the number (to prevent fraudulent use), credit card security code (on the signature field on the back of the credit card, followed by The three digits after the last four digits are used for credit card activation, password management, TV, telephone and online transactions, etc.). Swiping your card on a POS machine is the most common way to use a credit card, and it is a way of swiping your card online. When swiping a card, the operator should first check the credit card's validity period and cardholder's last name and other information. Then, select the corresponding POS machine according to the card issuing bank and the currency type to be paid, and slide the magnetic stripe of the magnetic stripe credit card on the POS machine, or insert the chip credit card into the card slot, connect to the bank, etc. for payment, and enter the corresponding amount.

After the remote payment accepts the information, the POS will print out a receipt for the card payment (at least two copies). The cardholder should sign the receipt after checking that the information on the payment receipt is correct. After the operator checks the signature on the receipt and the signature on the back of the credit card (including that the name completely matches and the handwriting basically matches), the operator gives the credit card and a copy of the card payment receipt to the cardholder. At this point, the card swiping procedure on the POS machine is completed. Manual order pressing is usually used when there is no POS machine or the Internet is not available. The order pressing operation must have a pressure-sensitive copy of the "direct purchase order" (at least two copies) and a telephone number. The inspection work before pressing the order is the same as that of the POS machine. Then, the operator will use the credit card pressing device to print the embossed name and name on the credit card onto the purchase form, and write the amount, date and other information, and then call the acquiring bank's authorization hotline to report the card information and apply for authorization. And write the authorization code obtained on the purchase form, and then the cardholder signs it after confirming it is correct.

Can a credit card be canceled over the phone?

1. Credit cards can be canceled over the phone, which is also a more traditional method. Users can also take their credit card and ID card to the bank counter to cancel the credit card, which is a waste of time. When calling to cancel a credit card, the cardholder will verify the relevant information and then help the user submit the application. When canceling a credit card, the cardholder must pay off the outstanding balance on the card and ensure there are no overpayments. Another is to confirm that the credit card will not have an annual fee. Only in this way can the user log out smoothly.

2. After submitting the cancellation application, the credit card cannot be used. If you continue to use it, cancellation will fail. When canceling a credit card, you should distinguish between credit card cancellation and account cancellation. If the cardholder simply cancels the card, he can ask the bank to reissue a new card later. If an account is cancelled, the bank will no longer have the applicant's information. If you want to use your bank's credit card again, you must resubmit your information application.

3. After the cardholder submits the credit card cancellation application, he must call the credit card customer service hotline for confirmation after 45 days. If the logout is unsuccessful, 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 people from deliberately using it.

: Can credit cards be repaid in installments?

Of course it is possible. Credit cards can be repaid in installments. Cardholders only need to apply for installment repayment from the bank. The categories of credit card installment payments are as follows:

1. Shopping mall installment payment: also known as POS installment payment, it means that cardholders can pay in installments when they go to shopping places and shop in "shopping malls".

2. Mail order installment payment: This means that the cardholder receives the "Instalment Payment Mail Order Catalog Manual" sent by the card-issuing bank (or the bank's online installment payment mall) and selects from limited products. Then mail order to the bank in installments through online installment shopping mall order form, telephone or fax mail order installment application form.

3. Bill installment payment: This is the most convenient method of installment payment. Basically, all issuing banks can support this installment payment method, and its application is simple.

That’s it for the introduction of whether it is possible to cancel a credit card over the phone.