1. If the application is submitted through direct channels such as websites and banks, it cannot be cancelled. Call back and you can only refuse to apply for a card. This can indirectly achieve the purpose of cancellation.
2. If it is submitted through the agency channel and is still in the hands of the salesman, you can call the phone on the business card to cancel it. If it has been submitted to the bank, it cannot be cancelled. Cancel directly after receiving the card.
Generally speaking, there is no annual fee if the credit card is not activated, but there are also some high-end cards and credit cards with special materials. As long as it is done, even if it is not activated, there will be a certain annual fee.
In addition, as long as the credit card is issued, whether it is activated or not, it will be reflected in the letter and newspaper, occupying the total credit. Once there is a record of arrears, it will affect personal credit, so inactive credit cards should be cancelled in time if they are not used.
Extended data
The application conditions of CITIC Bank's credit card are as follows:
1, age requirement
The age of local residents should be 18-65, and the age of foreigners should be 25-65.
2, job requirements
Have a stable work unit, income and fixed residence.
3. Credit requirements
No bad credit record (how to establish a good credit record)
Note: CITIC Magic Credit Card is only used by women. The supplementary card applicant must be the parent, spouse or child of the main card holder, aged between 16-65.
Matters needing attention of CITIC Bank's credit card are as follows:
65438+
2. The credit card of CITIC Bank must be repaid on time. Paying back on time is the embodiment of a person's sense of responsibility. If the cardholder can't guarantee timely repayment, it is best not to use a credit card.
Baidu Encyclopedia-China CITIC Bank Credit Card
Baidu Encyclopedia-Credit Card Application Form