1. Card cancellation

When you don't want to use this card any more, but you still need to apply for other credit cards of this bank, you choose to sell the card only. In this way, when it is necessary to apply for other cards, the procedures will be much more convenient and you can enjoy the previous points. After the card is cancelled, the account and magnetic stripe information will remain in the bank's system. If it is used by people with ulterior motives, it will cause unnecessary losses and damage personal credit records!

2. Card cancellation+account cancellation

If you choose to cancel your card and account, you can completely clear your account information in this bank. Even if you need to apply for the bank's credit card in the future, you can enjoy the treatment and preferential treatment for new customers.

Extended information

Matters needing attention when canceling the account:

1. Before canceling the card, ask whether there is any outstanding debt in check card, whether there is any change of the balance after repayment, and whether there are idle points. The arrears must be paid back, the odd parts must be brushed off, and the idle points should be used as much as possible.

2. If it is a lost credit card. In order to ensure safety, you should report the loss first and then apply for account cancellation.

3. When some banks close their accounts, they will have a 45-day "clearing period" to ensure that the card can be cancelled without any delayed transactions.

4. Credit cards with overdue records within two years are not recommended for account cancellation. Because even if the account is cancelled, the bad record will remain in the personal credit report for 5 years. The best way is to continue to use this card, keep spending and repay the loan on schedule within two years, and cover the old bad credit record with a new good record.

phoenix. com-what about unused credit cards? Cancelling a card does not mean canceling the account

Baidu Encyclopedia-Credit Card