Hello, if you have just used your credit card and no longer want to use it, you can apply for cancellation. However, it should be noted that most cards will deduct an annual fee upon activation, and some cards will charge a hard annual fee. Even if it is not activated, it will be deducted directly as long as it is activated. For this reason, customers need to make repayments before canceling the card. Otherwise, there is an outstanding balance in the card and the cancellation application will not be successful.

1. What we need to pay attention to when canceling the card is that after applying for card cancellation, the bank will have a 45-day settlement period. After 45 days, confirm that there are no new bills on the card, and then officially cancel the card. For inactive credit cards, if customers need to cancel the card, they can directly call the service hotline of the card issuer and contact customer service personnel to apply for cancellation. However, the bank will not cancel the card immediately. Instead, it will wait for 45 days to confirm that the card is not in arrears, at which time it will officially cancel the card for the customer. It should be noted that some cards have hard annual fees that will be charged even if they are not activated, so customers must repay before applying to cancel the card. The card cannot be successfully canceled until the payment has been made.

2. When canceling a card, we first need to confirm the amount of the credit card, mainly to see if there are any annual fees, card creation fees and other fees. Don’t think that charges won’t be charged if you don’t receive the credit card or the credit card is not activated. There are still personal credit cards that will charge fees as long as the verification is successful, such as high-end platinum cards and other annual fee cards, and special cards for special jobs. Therefore, it is best to call your bank before canceling to ask if any fees will be deducted. If any fees are deducted, you must repay them before cancelling. This is actually very simple. Ask customer service for your credit card number and then transfer the payment.

3. It can be canceled after the repayment is received. Then, we should also know whether to cancel the card or the account. If the bank has other credit cards and you just want to cancel the card that has not been received, you can choose to cancel the card, which will not affect the use of other credit cards; if you want to cancel all credit cards in your name, including this card, You can choose to cancel your account. Once these two issues are resolved, it's time to cancel. There are two common ways: one is to call customer service directly to apply for cancellation, and the other is to bring your credit card ID to an outlet to cancel.

4. Either way, the bank has a 45-day pre-cancellation period after acceptance. If there are no arrears or refunds during the period, it can be officially canceled on the 46th day.