How to cancel a credit card online
To cancel a credit card applied for online, directly call the customer service hotline of the card-issuing bank and apply to the customer service staff for cancellation through the manual service channel; or bring your identity You can also go to the counter of a business outlet near the card-issuing bank to apply for cancellation if you have your ID card or credit card.
No matter which channel the credit card is applied for, as long as the cardholder wants to cancel it, he can use these methods to cancel it.
When canceling a credit card, everyone needs to pay attention to the fact that there cannot be any unpaid bills in the card, otherwise, the card will not be canceled successfully. Therefore, if there are unpaid bills on the card, you must first pay off the balance and then apply for cancellation.
After applying for cancellation of a credit card, the bank will not cancel the card immediately. There will be a 45-day period. If there is no new account payable within 45 days, the bank will cancel the card. Officially cancel the card. After the card is successfully canceled, you only need to cut off the magnetic stripe of the card to prevent information leakage.
1. Credit card
It is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit
2. Problems caused by credit cards
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1. Consumers who are capable are not accustomed to using credit cards, and they often do not exceed the credit card consumption limit
2. Consumers who are not capable prefer to use credit cards, but their ability to repay debts is limited No, the probability of default is relatively high
3. With a credit card, many people spend more than without a credit card
4. Using a credit card involves high handling fees and possible Come to the negative effects of credit reporting
3. How to cancel credit cards
Many people want to cancel credit cards due to the disadvantages that credit cards bring to users
1 .Go through bank card cancellation procedures over the counter at bank outlets
All major banks have credit card cancellation windows. Bring your relevant documents, such as ID card and credit card; if you owe money on your credit card, bring cash. , pay off the debt.
2. Cancel the credit card through official online banking
All major banks in my country have online banking. You can upload your ID card and credit card information, fill in the account cancellation application, submit the application, and wait until The bank will call you to confirm
3. Cancel the credit card through the official credit card customer service number
Call the official credit card service number, transfer to manual service, and ask the manual customer service to apply for cancellation of the credit card. Before making a call, be sure to make sure your credit card does not have any outstanding balances, otherwise the account cannot be closed.
4. Cancel credit card through the bank’s official WeChat official account or the credit card’s official WeChat official account
Currently, all major banks in my country have official WeChat official accounts. As long as the card is bound, If you find Credit Card Cancellation, you can cancel the credit card on the WeChat official account.
5. Cancel the credit card through the bank’s official APP
Currently, major banks, including credit card service centers, may have their own official APP, and you can cancel the credit card directly on it.
What should I do if I no longer want the credit card I applied for? You can cancel through these methods
Many people are always hesitant to apply for a credit card. After applying, they are still wondering whether it is necessary to apply for a card. Some people even do not want a card after submitting the application and have to apply for it. Cancel credit card. So, what should you do if you no longer want a credit card after applying for it? Let’s find out together below.
How to cancel the credit card application if I no longer want it?
Actually, there are solutions if you no longer want a credit card after applying. However, you need to know the progress of your credit card application. It is recommended that you check the credit card approval status through the official credit card website and WeChat official account, and then take corresponding steps. The specific measures are as follows:
1. Under review:
If you find that the credit card application is under review, you can use the mobile phone number reserved when applying for the card to call the card issuing bank at 24 Hourly service hotline, transfer to manual service, submit credit card cancellation application to customer service, but whether it can be canceled will be subject to the final result.
2. Approval:
This situation means that the card has been successfully approved and cannot be canceled. If you really don’t want the credit card, you can directly call the service hotline of the card issuer and cancel the card manually after receiving the credit card. Before canceling a card, you must understand the credit card account situation clearly. If the credit card has not been opened but has been charged, you must settle the repayable account before canceling the card.
3. Waiting for interview:
This situation only passes the preliminary review and needs to be interviewed before the final review. Usually credit card interviews have a set time limit, which is specified in the interview text message sent. If you don’t want the credit card, you don’t need to go to the interview again. If the interview is not completed within the specified time, the system will automatically end the credit card application.
4. Review rejected:
The credit card approval failed and the application was automatically terminated. In this case, there is no need to cancel it yourself.
The above is the relevant introduction to "What to do if you no longer want the credit you applied for". I hope it will be helpful to everyone. In short, if you no longer want the credit card after applying, you can check the card application progress and adopt different cancellation methods according to the card approval status.
How to cancel a credit card
There are two ways to cancel a credit card:
1. Cancel the card at an outlet and apply at a bank outlet with your credit card and ID card. Cancel the card.
2. Call the bank’s customer service number to cancel the card. Remember to cut the card after canceling it.
Credit cards can be canceled under the following circumstances:
1. The applicant does not receive the credit card. The applicant has just applied online, and the bank has not yet rushed to send the card or apply through agency channels. The salesperson did not submit the information. At this time, the cardholder can call the customer service center of the card issuer to cancel the credit card application. In this case, canceling the credit card has basically no impact on the individual.
2. The applicant has received an invalid credit card. For newly applied credit cards, if it has not been activated, there is no need to cancel the card. The general activation period is one year from the date of issue. If not activated for a specified period of time, the credit card will automatically expire.
3. Credit card in use. You must be prepared before canceling your credit card. First, you need to pay off any balance you owe on your credit card. If you save more money, you should also spend it. Make sure there is no more than a penny in your credit card account, and then call the customer service number according to the voice prompts to manually apply to cancel the credit card reservation. After the next billing date, if your account is flat, i.e. not much, not much, then your credit card can be canceled. Or you can cancel at the counter and bring the necessary documents, ID, credit card and cash. Explain the situation truthfully to staff.
Main functions of credit cards:
1. Credit cards are one of the fastest growing financial services. It is an electronic currency that can replace traditional cash flow to a certain extent;
2. Credit card has both payment and credit functions. Cardholders can purchase goods or enjoy services, or use credit cards to obtain certain loans from card issuers;
3. Credit cards are high-tech products that combine financial services with computer technology.
4. Credit cards can reduce the use of cash and money;
5. Credit cards can provide settlement services, facilitate shopping and consumption, and enhance a sense of security;
6. Credit cards can simplify payment procedures and save social labor;
7. Credit cards can promote product sales and meet social needs.
That’s it for the introduction on how to cancel a credit card applied for online.