Bring valid documents, such as ID card and bank card; go to the bank to get the reservation number and queue up; explain to the service staff that you want to cancel your account, give your credit card to the bank staff and fill out the relevant application; cancel your bank card account complete. If the debit card is canceled, it cannot be restored. If necessary, you have to go to the counter to apply again.

Bank cards can be canceled through telephone banking. Only when the bank card can be canceled can it be canceled by phone. Call the corresponding bank customer and enter the card number and information according to the prompts to cancel the account.

1. People's Bank of China credit report inquiry: The cardholder brings his or her ID card to the local People's Bank of China counter to print out a personal credit report inquiry. If it is a credit card, the card number will be displayed on it. . If it's a regular debit card, it won't show up. Bank cards refer to credit payment instruments issued to the public by approved commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposits and withdrawals, etc.

Bank cards reduce the circulation of cash and checks, allowing banking business to break through the limitations of time and space and undergo fundamental changes.

2. In 2012, the State Council approved the "Credit Reporting Industry Management Regulations (Draft)", an adjustment plan for bank card swiping fee standards, and will be fully implemented from February 25, 2013. This time, The overall rate reduction is between 23% and 24%.

3. In 2013, the People's Bank of China recently issued the "Measures for the Administration of Bank Card Acquiring Business", hereinafter referred to as the "Measures" [5]. The "Measures" define the connotation of bank card acquiring business and the scope of application of the "Measures", comprehensively standardize the risk management of acquirers' special merchant qualification review, business inspection, transaction monitoring, information security and fund settlement, etc., and propose Strict regulatory requirements.

4. Card core replacement. Bank card core replacement is because the track information of traditional magnetic stripe cards is easy to be copied and there are security risks. In contrast, chip cards have key encryption technology and the encrypted information is randomly generated. Wang Yu, a senior risk expert at China UnionPay, said that there has never been an actual case in the world where chip bank cards have been copied, leading to counterfeit card fraud.

Before October 31, 2014, all card-issuing banks and acquiring institutions will close the function of magnetic stripe swiping in domestic POS channels using chip-magnetic stripe composite cards, and will only use chips for transactions; from 2015 Starting from now, various banks will gradually stop issuing magnetic stripe cards and only issue chip cards.

5. Expenses are incurred. Data shows that there are nearly 3.4 billion magnetic stripe cards on the market that need to be replaced with chip cards. The cost of each chip card is about 10 yuan, and the replacement cost is tens of billions. . Industry insiders believe that the charging standards for "core" replacement require further regulation by regulatory authorities. In the process of replacing magnetic stripe cards with chip cards, some banks will charge consumers a certain amount of production fees, which has aroused heated discussion in society. In this regard, the China Consumers Association believes that banks should bear their own expenses when replacing bank card cores. At present, all banks have the same charging standards for card replacement. Banks such as ICBC and Minsheng Bank replace IC cards free of charge. The card replacement fees of most other banks are generally 10 yuan to 20 yuan. Some banks claim that the maximum charge for card replacement service is 40 yuan.