How to cancel a Minsheng Bank credit card

If you want to cancel a Minsheng Bank credit card or cancel your account, you can use the following methods:

1. Call Minsheng Bank directly Please submit an application to the customer service staff at the hotline 95568. The customer service staff will first verify the customer's identity information and confirm that it is the customer before accepting the application.

2. Find the card in the credit card interface of online banking/mobile banking client/credit card APP "National Life" and select the cancellation option to cancel the card online.

3. If there is an offline branch of Minsheng Bank near where you work or live, customers can also bring their credit card and personal ID card to the branch counter to find staff to cancel the card.

Extended information:

A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.

It is in the form of a card with the name of the issuing bank, validity period, number, cardholder 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 the merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards as stipulated in the relevant laws of our country refer to electronic payment cards issued by commercial banks or other financial institutions that have all or part of the functions of consumer payment, credit loans, transfer settlement, cash deposits and withdrawals, etc.

On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.

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 billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit.

The credit card generally refers to a credit card.

Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).

The main features of credit cards:

①Credit cards are one of the fastest growing financial services today. They are an electronic currency that can replace traditional cash circulation within a certain range;

②Credit cards have 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 credit cards;

③Credit cards are high-tech products that integrate financial services and computer technology.

④Credit cards can reduce the use of cash;

⑤Credit cards can provide settlement services, facilitate shopping and consumption, and enhance a sense of security;

⑥Credit cards can simplify collection Reduce payment procedures and save social labor;

⑦Credit cards can promote product sales and meet social needs.

How to cancel a Minsheng Bank credit card

1. The cardholder can cancel the card by calling the 24-hour customer service hotline of Minsheng Bank at 400-669-5568. Special reminder should be paid to the account when canceling the card. There must be no outstanding balances, and the card must be with the cardholder before cancellation.

2. If a Minsheng Bank credit card holder loses his or her credit card, the card holder can only cancel the card at the counters of major Minsheng Bank branches.

: A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder 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 appointed commercial service departments, and then the bank will make settlements 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 cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).

The earliest credit card appeared at the end of the 19th century. In the 1880s, the British clothing industry developed so-called credit cards, and the tourism and business sectors followed suit. However, the cards at that time could only be used for short-term commercial credit, and the money still had to be paid as and when used. Long-term arrears were not allowed, and there was no credit line.

How to cancel Minsheng Credit Card

The ways to cancel Minsheng Bank Credit Card are:

1. Cardholders can call Minsheng Bank’s 24-hour customer service hotline at 400-669-5568 When canceling a card, special reminder is that there must be no outstanding balance in the account when canceling the card, and the card must be with the cardholder before canceling the card.

2. If a Minsheng Bank credit card holder loses his or her credit card, the card holder can only cancel the card at the counters of major Minsheng Bank outlets.

Minsheng Bank credit card can be canceled through telephone banking or bank branch counters. The specific steps are as follows:

1. Telephone banking

Call Minsheng Bank with the reserved mobile phone number The bank's credit card customer service hotline is 400-66-95568, and you can apply to cancel your credit card.

2. Bank outlets

Bring your valid personal ID and credit card to the counter of any Minsheng Bank outlet to complete the cancellation procedures.

Note that before canceling a Minsheng Bank credit card, make sure there is no outstanding balance in the card. After canceling, cut off the card's magnetic strip in time to prevent it from being stolen.

Operating environment: Palm Bank version 6.7.0, WeChat version 8.0.15

Main card application qualifications: Domestic main card applicants must be over 18 years old and not over 65 years old , citizens of the People's Republic of China with full capacity for civil conduct; overseas main card applicants, foreigners and Hong Kong, Macao and Taiwan residents who are over 25 years old and not more than 55 years old, and hold valid identity documents; main card applicants Must have a legitimate and stable occupation with stable income.

Applicants for supplementary cards: Applicants for supplementary cards must be citizens of the People's Republic of China, Hong Kong, Macao and Taiwan citizens and foreigners holding valid identity documents. If the child is the primary cardholder (applicant), the applicant must be at least 13 years old; in other cases (not limited to the primary cardholder or the applicant’s immediate family members), the supplementary card applicant must be at least 18 years old. Applicants for supplementary cards who are under 16 years old must provide a photo printout of their ID card/household registration book when applying.

Online application qualifications: Applicants for the main card must be citizens of the People's Republic of China with a legitimate and stable occupation, stable income, and full capacity for civil conduct. They are required to be over 20 years old and not over 60 years old. 1 year old

This is the end of the introduction on how to cancel a Minsheng Credit Card account and the phone number to cancel a Minsheng Credit Card account. I wonder if you found the information you need?