How to cancel a credit card when it is no longer in use?

The main methods of canceling a credit card are as follows:

1. Bank cards can be canceled through telephone banking. You must meet the premise that the bank card can be canceled before you can cancel it by phone. Call the corresponding bank customer and enter the information according to the prompts to cancel the account.

2. Bank cancellation:

① Determine the bank’s working hours. Office workers are usually only available on weekends, while bank branches have different closing hours. It is recommended to call the bank customer service first.

② Bring all relevant documents. The most important documents are ID cards and bank cards. If your bank card has been used for online banking, you may have an online banking password card and an online shield, which you also need to bring.

③ Determine the balance in the card. To determine whether there is a balance on your card, you can check it at an ATM or over the counter. Generally speaking, if there is a balance, the window staff at the bank counter will take it out.

④The bank number is waiting for processing. Tell the lobby manager to go through the account cancellation procedures, and the lobby manager will directly help you get your number.

⑤Sign at the counter. When applying at the counter, submit your ID card and bank card, and bank staff will handle it directly. During the application process, there is an account cancellation confirmation list that requires signature and confirmation.

⑥After successfully canceling the bank card, remember to destroy the card! After signing and confirming, the bank's handling staff will cut the card with scissors and make a copy. After copying, they will return the relevant certificates, signature strips and cut cards for successful account cancellation.

3. In addition, for cancellation of bank cards in other places, it is not necessary to go to the bank where the account is opened, but the regulations of each bank are different and it is done according to the regulations of each bank. At present, banks across the country have many branches, and each bank has many regulations. The details are as follows:

Banks such as Agricultural Bank of China, China CITIC Bank, and Hua Xia Bank clearly stipulate: No. If you want to cancel a memory card issued in another place, you can only go back to the bank where the card was originally issued. China Construction Bank, China Merchants Bank, China Everbright Bank, etc. stipulate that you can close your account in another place, but if you want to withdraw the money from your bank card, you have to pay the relevant fees for withdrawals in other places.

At the same time, many banks have introduced policies to break the origin, such as Bank of Communications, China Construction Bank, and China Merchants Bank. Account cancellation, including account cancellation in another place, can be handled at any counter with just your ID card, but it requires Pay a certain handling fee.

Extended information: 1. If the bank card is lost, you need to apply for a new bank card first, and then cancel the account. There is a card fee for replacing the card; 2. To cancel the bank card account, you must withdraw the balance on the card. It is also necessary to ensure that there is no outstanding balance on the card and that the last payment of the outstanding balance is more than 45 days before formal cancellation can be processed. 3. Don’t just throw idle bank cards away. The relevant person in charge said that this may cause the leakage of personal information. If it is used by criminals, it may also cause unnecessary losses and pose security risks. If someone else gets hold of the credit card card and password, the original cardholder may be responsible for the corresponding debt.

How to cancel a credit card?

The main ways to cancel credit cards are:

1. Cancellation at the card-issuing bank outlet:

Cardholders can bring their personal ID cards and credit cards to the card-issuing bank offline. Go to the counter of the business hall branch to apply for cancellation of your credit card and go through the cancellation procedures with the help of the staff.

2. Customer service phone cancellation:

Card holders can directly call the customer service hotline of the credit card center of the issuing bank. After the call is answered, follow the phone voice prompts to transfer to manual service and report to work The employee applies to cancel the credit card and waits for the staff to verify the personal identity before canceling the credit card.

3. Go through bank card cancellation procedures over the counter at bank branches: All major banks have windows for credit card cancellation. Please bring relevant personal documents, such as ID card and credit card.

If you owe money on a credit card, bring cash and pay off the debt;

4. Cancel the credit card through official online banking: All major banks in China have online banks where you can submit and fill in your ID card and credit card data. To apply for account cancellation, submit the application and wait for the bank to call you to confirm;

5. Cancel the credit card through the official credit card customer service phone: Dial the official credit card service hotline, transfer to manual service, and ask the manual customer service to apply for cancellation of the credit card. Before making a call, be careful not to have any debt or balance on your credit card, otherwise you will not be able to cancel the account;

6. Cancel credit card through the bank’s official official account or the credit card’s official official account: all major banks in China have There is an official official account. As long as you bind the card and find the credit card cancellation, you can cancel the credit card on the official account;

7. Cancel the credit card through the bank's official APP: major banks include credit card services The center may have a personal official website APP, and you can cancel your credit card directly on it.

How to cancel a credit card

Credit card cancellation process:

1. Verify credit card accounts

Before canceling a credit card, the cardholder needs to Confirm whether you have paid off all the credit card debts. If you have not paid off the debts, you should pay off the debts before applying to cancel the credit card.

2. Points Processing

When cardholders cancel their credit cards, they first need to check their credit card points. Based on their current credit card points, try to redeem some gifts or phone bills. , don’t waste your credit card points. After all, these are the points you accumulate every time you swipe the card. After canceling the credit card, the credit card points will be cleared.

3. Preliminary account cancellation

Credit card holders can go through the pre-account cancellation procedures by calling the bank’s customer service center, and then go to the bank outlet counter to formally cancel the account.

4. Formal account cancellation

The cardholder goes to the bank to apply for account cancellation. After 45 days, the bank needs to confirm that all the credit card debts have been paid off and all the debts have been repaid. Once cleared, you can cancel your account.

5. Card Destruction

After the user cancels the credit card account, the bank will destroy the card.

Credit card cancellation method:

1. Call the bank’s credit card center and ask about cancellation related matters. It mainly depends on whether your card is suitable for cancellation, whether there is a balance, etc.; use the phone to cancel the credit card After receiving the call, the bank will accept the user's application for canceling the credit card, and after deducting the annual fees payable for all cards under the account, the account balance will be zero or the customer has explicitly given up the remaining deposits in the account.

2. Go to the bank counter to cancel the credit card. The cardholder must bring his or her ID card and the credit card to be canceled to the bank to fill out a card cancellation application form. The card may be collected first and the corresponding card cancellation procedures will be done one month later. However, you can also directly make an appointment to cancel the account on the day of card cancellation.

In addition, credit card cancellation is divided into card cancellation and account cancellation. After canceling the card, it is recommended to cancel the account, otherwise there may be some problems in applying for a credit card again; if there are still points in the credit card to be canceled that have not been used up, it is recommended to cancel all the points first. Cancel the card after redemption; cardholders should not use the credit card after submitting the credit card cancellation application until it is officially effective, otherwise the card cancellation application will be automatically revoked; after formal cancellation, cut along the credit card's magnetic strip and discard it to prevent theft.

If the cardholder's credit card limit is very low and they choose to cancel the credit card at this time, the cardholder also needs to pay attention to his or her card holding situation. If this is the first time you apply for a credit card, it is recommended that you do not cancel it, because with this credit card you can better maintain your personal credit. By swiping the card to improve your personal credit, it is also very useful for applying for credit cards from other banks in the future. Helpful. If the cardholder holds a very large number of credit cards and thinks that his or her credit cards are enough and wants to cancel the credit card, the cardholder also needs to seriously consider when applying for cancellation. If he or she holds too many credit cards, It will become more and more difficult to apply for a card, and it will become easier to cancel it.

How to cancel a credit card?

The cancellation process is as follows:

1. Call the bank’s customer service number and apply to cancel the credit card. Note that the bank customer service will usually try to retain you at this time. If you decide to cancel the card, don't listen to his "fooling" and insist on canceling it.

2. From the time you apply for cancellation by phone to the official cancellation, there will be a 30-45 day settlement period. During this period, you must not use your credit card for consumption.

3. 40 days after cancellation, call the bank customer service number to confirm whether the cancellation is successful, so as not to leave a bad record for yourself due to special reasons.

4. Do not throw away canceled credit cards. Cut the magnetic strips into pieces before throwing them away to avoid being picked up by criminals and causing losses to you.

Extended information

For customers, if they plan to cancel the card, it is best to know in advance the card opening time and the time it will take to cancel the card, and reserve time to cancel the card before charging the next annual fee. card to avoid paying annual fees for an additional year.

In addition, canceling the card is not the same as canceling the account. Some banks will still retain customer information after canceling the card, while canceling the account will delete all customer information. Therefore, it is recommended that cardholders cancel the card at the same time. By closing the account, you can not only protect the security of your personal information, but also enjoy the benefits of new customers when you apply for a new credit card from the bank in the future.