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.

I have just been approved for a Guangfa Bank credit card with a limit of 3,000. I want to cancel the card.

You can choose to use the Guangfa Bank customer service phone number to cancel your Guangfa credit card. Call Guangfa 95508 for free customer service. To call, press 1-0 to answer the manual service, and just ask GF customer service to log out. This way of canceling a credit card is more convenient and faster.

1. Guangfa Bank regulations stipulate that when canceling a Guangfa Bank credit card, there must be no outstanding balance on the credit card account. If there is still an outstanding balance, the cardholder must pay off the balance before the card can be cancelled. Therefore, the Guangfa Bank credit card needs to be repaid before cancellation. Similarly, if there is any overpayment remaining in the credit card, the cardholder is also required to withdraw all the overpayment before canceling;

2. To ensure the security of the account, the card must be with the cardholder when canceling the card over the phone. If the credit card is lost, the cardholder needs to report the loss first before canceling the card. It should be noted here that banks usually charge handling fees for reporting the loss of credit cards, and they cannot be canceled directly without reporting the loss.

Even if you cancel directly, there is still the risk of fraud, and the loss of fraud will be borne by the cardholder;

3. When canceling a Guangfa Bank credit card, you do not need to go to a Guangfa Bank branch in person. Directly call Guangfa Bank's credit card customer service number and explain your intention to cancel the credit card to the customer service, and you can apply for credit card cancellation;

4. After receiving the cardholder's application to cancel the card, Guangfa Bank will process the cancellation request within a period of time. The cardholder's credit card status will be reviewed. Including whether there are arrears or overpayments, etc. Unless there are special circumstances, generally banks will officially cancel the credit card for the cardholder within one month to one and a half months.

Extended information

Notes on CGB credit card cancellation:

1. Credit card cancellation is divided into card cancellation and account cancellation. Generally, cardholders only need to cancel the credit card, and there is no need to cancel the account. Credit card cancellation will have an impact on future applications for credit cards from the bank;

2. If there are still points in the credit card to be canceled If you haven’t used it all, I suggest you exchange it all. If you really can't redeem it, you can also transfer it to other credit cards in the same party. If there are no other credit cards, and the bank does not cancel the cardholder's account, and the cardholder applies for a new credit card from the bank later, the points can still be imported into the new one. In the credit card;

3. After submitting the credit card cancellation application, the credit card holder should not use the credit card again until it officially takes effect. If it is used halfway, the credit card cancellation application will be automatically revoked;

4. There is still a possibility of the credit card being stolen after cancellation, so the cardholder needs to cut off the credit card's magnetic strip and throw it away after formal cancellation. .