Bank of Beijing credit card cancellation
If the cardholder does not intend to continue using the credit card, in this case, what must be done is to cancel the account. If the account is not cancelled, the bank will charge an annual fee for the credit card. You can apply for account cancellation at any time if the card is not overdrawn. The validity period of Bank of Beijing credit card is generally 3 years. If the card has not expired, you need to apply first, and then go to the bank to cancel the account after a certain period of time. If the card has passed the validity period and the account balance is zero, you can go directly to the designated bank outlet to cancel the account.
If your card has not expired when you cancel your account, some banks stipulate that you need to go to the designated outlets to receive the card, and then go through the formal account cancellation procedures after a certain period of time (up to 3 days). If the cardholder is in consumption abroad or withdraws cash, it may take several days to settle. If you cancel your account immediately, it will also affect the normal liquidation of the bank. The cancellation of a single credit card of Bank of Beijing is the cancellation of a single credit card. After the card is cancelled, it will become invalid and the credit card will lose its related rights and interests. If the credit card account is cancelled, all the cards under the account will be cancelled.
credit card account cancellation method of Bank of Beijing
Before the account cancellation, you can settle the credit card account first, and then apply to Bank of Beijing for credit card cancellation. All debt relationships before the credit card cancellation are equally valid after the cancellation, and the annual credit card fee charged for cancellation will not be refunded by Bank of Beijing. Bank of Beijing credit card holders can use the reserved mobile phone number to call the customer service number of Bank of Beijing Credit Card Center (46-61169) to handle the relevant cancellation procedures. When closing the account, you should bring the original valid identity certificate and card. If it is not convenient for me to go through the formalities of closing the account, someone else can do it for you. The agent must hold the power of attorney written by the principal (himself) and bring the original valid identity certificate to handle the account cancellation business.
matters related to the cancellation of Bank of Beijing credit card
1: Credit card points of Bank of Beijing are divided into credit card consumption points and mall reward points, both of which are permanently valid within the validity period of the credit card. Only when the credit card or account is cancelled will the points become invalid.
2: When canceling the credit card of Bank of Beijing, if there is excess payment in the credit card, the cardholder can get it back through ATM or transfer it out through transfer. There is no handling fee for the recovery and transfer of overpayment from Bank of Beijing.
3: If the cardholder has account information such as debit card or passbook in Bank of Beijing, when applying for cancellation of a single credit card, it is not necessary to completely settle the credit card debt information, and the cancelled credit card debt will be automatically transferred to other cards under the account. If the cardholder has only one credit card in Bank of Beijing, when applying for cancellation or account cancellation of the credit card, all the debts in the card must be repaid before the card can be successfully cancelled. After going through the cancellation procedures, the cardholder still needs to bear all the debts that have occurred before the cancellation.
4: It usually takes six months to apply for a credit card after cancellation. For details, please call the credit card service hotline of Bank of Beijing at 46-61169 for consultation.