It's difficult to cancel a credit card, but it's also necessary to cancel the account

It's getting faster and faster to apply for a credit card, and it's getting easier and easier to approve it, but is it the same with card cancellation? Is it over after the card is cancelled? At present, many banks have to wait more than 45 days for the "settlement period" before they can cancel their cards, except that there can be no arrears and no balance. Do you know?

it's easier to apply for a credit card than to cancel it

when Ms. Wang cancels her card, the bank requires that she wait 45 days before she can cancel it, because the credit card may still have outstanding bills and can't be cancelled immediately. In this regard, Ms. Wang said that the bank will know if there is any arrears by checking the transaction records, so why wait for 45 days.

a banker said that no matter whether the customer calls or applies for cancellation of the credit card at the counter, the credit card can be officially cancelled at that time and all functions will be stopped only if the fees such as arrears on the credit card book are paid off at the time of application and there is no overdue or negative record. However, if the customer has unpaid related expenses or overdue repayment, it will generally take about 45 days until the final bill comes out before the card can be officially cancelled.

In fact, banks set up a "settlement period" not only to determine whether there are debts, but also for other reasons. Analysts said that if the cardholder cancels successfully, the card issuing cost of Bank 15-2 yuan will be lost; Secondly, banks hope that active users can profit from it, even if it is only to take advantage of the interest-free period of banks; Finally, in the process of card cancellation, the Bank will try its best to retain users among cardholders who are willing to cancel their cards.

card cancellation is not the same as account cancellation

besides the 45-day "settlement period" for card cancellation, we should also pay attention to the difference between card cancellation and account cancellation. According to the Administrative Measures on Customer Identification and Customer Identity Data and Transaction Records of Financial Institutions, bank account information will be kept for at least five years from the year when the transaction is recorded. In other words, after handling a credit card, the bank will set up a bank account according to the cardholder's information. The card is only the expression of the account, and canceling the card does not mean canceling the account. If you only cancel your card, you will not be able to enjoy the treatment and preferential treatment of new customers if you apply for a credit card from the same bank next time, and you can avoid this problem by canceling your account.

to sum up for you: for customers, if they plan to cancel the card, it is best to unlock the card in advance and it will take time to cancel the card, and reserve time to cancel the card before the next annual fee is charged, so as to avoid paying an extra annual fee. In addition, it is suggested that cardholders cancel their accounts at the same time, which can not only protect the safety of personal information, but also enjoy the preferential treatment of new customers when they open new credit cards in the future.

why is it so difficult to cancel ICBC's credit card?

ICBC's credit card cancellation account can only be a pre-cancellation account, and it can't be cancelled immediately, and it will take one month before the real cancellation account can be processed. This practice is mainly to avoid the occurrence of pending withholding.

Some credit matters

1. ICBC's card issuer takes the local credit card business department as the main institution, which is not as good as other banks' having a full-time credit card center. This is an understandable problem in the establishment of banking institutions.

2. To cancel the card, I must handle the card cancellation business at the local designated outlets with my ID card and credit card. In fact, to put it bluntly, I personally fill out a credit card cancellation application form at the outlets. After that, give the credit card to the counter staff, and the outlets will pass on the card sales information you submitted to the credit card business department in this city, which is a long time delay.

3. I suggest that you personally go to the outlet to inquire about the location of the credit card business department of ICBC, and then personally take the card and ID card to the card department to cancel the account. You can only cancel the account as a "pre-cancellation account", but you can't cancel the account immediately. It will take a month before you can handle the real account cancellation.

There are

methods to cancel ICBC's credit card.

1. Magnetic stripe card:

Call 95588 to cancel the card or go to any outlet to cancel the card. Unlike telephone card cancellation, the teller will take back the credit card.

2. Chip card:

The cardholder must take the ICBC credit card to the outlet to receive the card, and it must be operated by an authorized teller. The status of the credit card changes to "Card Received" and the card is taken back by the teller.

3. Flash Card:

Flash Card can receive cards just like ordinary magnetic stripe cards, but it can only be operated at outlets and cannot be cancelled.

second, cancel the account.

ICBC's credit card can't cancel the account in the true sense after it takes back the card. If it doesn't do any follow-up operations, it will take at least one year for the account to really disappear. However, after receiving the card for one month, you can go to any outlet to cancel the account.

Only when the status of ICBC's credit card becomes "invalid card", the real card cancellation is completed.

It's so difficult to cancel the credit card of China Bank

It's not difficult to cancel the credit card of China Bank. The specific process is as follows:

If a credit card holder of China Bank wants to cancel his credit card, he can call the 24-hour customer service hotline of China Bank to apply, and the bank will check the status of the credit card. The account cancellation cannot be completed immediately. If the cardholder's account has no arrears and no balance after 45 days of applying for account cancellation, the bank will close the account for the customer. If there is still arrears, the bank will take the initiative to inform the cardholder to repay the arrears as soon as possible to complete the account cancellation; If there is still a balance, you can go to the branch of Bank of China to return the balance.

Credit card cancellation means that the credit card holder goes to the issuing bank to cancel the credit card. Credit card cancellation does not clear the information of credit card account, because the account is reserved, so the credit card can be restored after cancellation. Moreover, credit card cancellation only cancels the current card. If it is a non-main card cancellation, it will not affect the use of other cards.

how to cancel the credit card

credit card cancellation process:

1. verify the credit card accounts

before canceling the credit card, the cardholder needs to confirm whether he has paid off all the credit card debts. If not, he should pay off the debts before applying for cancellation of the credit card.

2. Points processing

When a cardholder cancels his credit card, he/she needs to check his/her credit card points first. According to the credit card points he/she currently has, he/she should try to exchange some gifts or phone bills. Don't waste his/her credit card points. After all, this is the points accumulated by himself/herself every time he/she swipes the card. After canceling the credit card, the credit card points will be cleared.

3. Pre-cancellation account

Credit card holders can call the customer service center of the bank, go through the pre-cancellation procedures, and go to the bank branch counter to officially cancel the account.

IV. 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 debts of the credit card have been paid off, and then the account can be cancelled.

v. card destruction

after the user cancels the credit card, the bank will destroy the card.

credit card cancellation method:

1. Call the bank credit card center to inquire about cancellation, mainly depending on whether your card is suitable for cancellation, whether there is a balance, etc. When the credit card is cancelled by telephone, the bank will accept the user's application for cancellation of the credit card after receiving the phone call, and after deducting the annual fees receivable from all the cards under his account, the account balance will be zero or the customer explicitly gives up the remaining deposit in the account.

2. cancel the credit card at the bank counter. The cardholder must bring his ID card and the credit card to be cancelled to the bank to fill out the card cancellation application form. You may receive the card first, and then do the corresponding cancellation procedures one month later, but you can also make an appointment to cancel the account directly on the day of card cancellation.

In addition, credit card cancellation can be divided into card cancellation and account cancellation. It is recommended to cancel the account after card cancellation, otherwise there may be some problems in applying for a credit card again. If there are still points in the credit card to be cancelled, it is recommended to redeem them all before canceling the card; After submitting the application for card cancellation, the cardholder should not use the credit card again before it becomes effective, otherwise the application for card cancellation will be automatically revoked; After formal cancellation, cut it along the magnetic stripe of the credit card and discard it to prevent it from being stolen.

if the cardholder's credit card limit is very low and chooses to cancel the credit card at this time, the cardholder should also pay attention to his card holding situation. If it's the first time to apply for a credit card, I suggest that you don't cancel it, because with this credit card, you can better raise your personal credit and improve your personal credit by swiping it, which is also very helpful for handling credit cards with other banks in the future. If the cardholder holds a large number of credit cards and thinks that his credit cards are enough and wants to cancel them, then the cardholder also needs to seriously consider when applying for cancellation. If he holds too many credit cards, it will become more and more difficult to apply for cards and it will become easier to cancel them.

It's too difficult to cancel the credit card of China Merchants Bank

It's not difficult to cancel the credit card of China Merchants Bank. As long as the cardholder carries his ID card and credit card, he can go to any outlet to cancel the account or the card. The reason why it is difficult to cancel a credit card is because banks usually go back to persuade cardholders to give up the idea of canceling their cards in order to retain customers. But as long as the credit card debt has been settled, customers can cancel the card as they wish.

in addition, even if the credit card business is cancelled, the previous overdue records cannot be cancelled, and the overdue records will be automatically eliminated after 5 years from the date of settlement. If you don't want to have overdue records in your personal credit report, it's best to repay each period on time.

1. Credit card cancellation process

1. Meet the cancellation conditions.

under normal circumstances, if your credit card has not been paid off, or the annual fee has not been paid, or there is a balance, you cannot cancel it. Of course, individual banks have other requirements for credit cards. Therefore, be sure to ask clearly when calling the official customer service of the credit card.

2. cancellation of telephone banking.

basically, ordinary credit cards can be cancelled by telephone banking. Of course, some banks may have a little trouble, while others are different, such as CITIC Bank and China Merchants Bank, which are very convenient. Note that you can cancel your credit card by phone only if it can be cancelled.

3. The bank counter is cancelled.

going to the bank counter to cancel is also an adopted method. However, we should pay attention to the following points:

First, bring the necessary documents, such as ID card and credit card, and prepare the money if the credit card owes money!

second: remember to avoid the rush hour at the bank, so as not to wait in line for too long and delay your normal work and life.

third: explain the situation to the staff truthfully. If you really want to cancel your card, don't change your mind easily.

It is difficult to cancel the credit card of Industrial Bank

It is not difficult to cancel the credit card of Industrial Bank. There are the following two methods:

1. Cancellation at the counter. You can bring your personal ID card to the outlet of Industrial Bank for cancellation, and you need to fill out an account cancellation application. It should be noted that there is a waiting period after cancellation, and the cancellation is successful if there is no arrears or overpayment within 45 days.

2. Telephone cancellation: call the customer service phone of Industrial Bank, and directly transfer to manual service, and ask the customer service for the reasons for canceling the credit card. The customer service will prompt you to enter a password to confirm your identity, check whether there is any debt, and then the customer service will go through the cancellation procedures.

That's the end of the introduction about the difficulty of credit card cancellation and Huaxia Bank's difficulty of credit card cancellation. Did you find the information you need?