How to cancel a China Construction Bank credit card and cancel the account

There are generally two ways to cancel a China Construction Bank credit card: apply online to cancel the credit card: use your mobile phone to call the China Construction Bank credit card hotline 4008200588 (redirect to manual) or call 95533 (redirect to credit card customer service), select the cancellation service according to the voice prompts (provided that the credit card has no outstanding balance); go to the counter of China Construction Bank to cancel the credit card: bring your valid ID card and credit card, and fill in the card cancellation application form at the bank. If the credit card has no outstanding balance or excess deposit 45 days after the application, the cancellation will be successful.

On February 25, 2016, China's five major state-owned commercial banks, China Construction Bank, Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China and Bank of Communications, joined forces to hold a signing ceremony in Beijing. The five major banks have promised to waive handling fees for domestic RMB transfers and remittances handled by customers through mobile banking, and to waive handling fees for domestic RMB online banking transfers and remittances of less than RMB 5,000 to reduce customer expenses.

On July 20, 2016, Fortune released the latest Fortune 500 ranking, with China Construction Bank ranking 22nd.

In August 2016, China Construction Bank ranked 5th among the top 500 Chinese enterprises in 2016.

On July 20, 2017, Fortune released the latest Fortune 500 ranking, with China Construction Bank ranking 28th.

On the evening of September 20, 2018, China Construction Bank issued a statement on the National Internet Financial Registration and Disclosure Service Platform under the China Mutual Finance Association, stating that it had passed the individual online lending fund depository system evaluation ("White list" of depository banks for P2P online lending institutions).

On December 17, 2018, China Construction Bank announced the official establishment of "CCB University" in Beijing.

In December 2018, China Construction Bank and Haier Group reached a strategic cooperation in Qingdao. The two parties will rely on their respective Huinong platforms to build a rural inclusive service platform.

In December 2018, the China Banking and Insurance Regulatory Commission approved China Construction Bank to establish a wealth management subsidiary.

In October 2021, it was assessed and identified as a domestic systemically important bank.

On December 30, 2021, Beijing Normal University and China Construction Bank entered into strategic cooperation on the integration of industry and education.

On January 26, 2022, China Poly Group and China Construction Bank signed a strategic cooperation agreement in Beijing to develop affordable rental housing.

News on March 16, 2022, in order to implement the spirit of the Central Committee’s No. 1 Document, the Ministry of Agriculture and Rural Affairs, the National Rural Revitalization Administration and China Construction Bank recently signed a strategic cooperation agreement to jointly promote financial services Comprehensively promote rural revitalization and use financial resources to accurately irrigate agriculture, rural areas and farmers.

How to cancel a CCB credit card account

1. Cancellation by phone: Call the official CCB credit card customer service hotline directly. After transferring to manual service, submit an application for credit card cancellation to the customer service and explain to the customer service how to cancel the credit card. The reason is that the customer service can cancel the card after completing the identity verification.

2. Cancellation at the counter: Bring your personal identity document and credit card directly to the counter of a China Construction Bank branch to handle the cancellation procedure for your credit card.

It should be noted that when canceling a credit card, it cannot be canceled if there is arrears. In addition, after canceling the credit card at the bank, there is a 45-day waiting period. During this period, the user cannot use the credit card for consumption, but can repay the loan. Once a new bill is generated, the credit card cannot be canceled successfully.

Extended information:

Credit card application:

If customers want to apply for a credit card, they can directly bring their personal ID and proof of income (such as bank statements, pay slips ) and other relevant information, go to the counter of the selected bank's offline business outlet to ask the staff to apply for a card, then get the application form to fill in, and then hand the completed form together with the information to the staff, and then just wait patiently for the bank Just review

After the bank has completed the approval, it will naturally send a message to notify the customer. If the approval is passed, a card will be printed for the customer, and then the prepared card will be mailed to the customer. Customers can activate it after receiving the card.

Of course, in addition to applying at branches, customers can also apply directly on the bank's official website, mobile banking client or credit card APP.

However, everyone needs to be aware that if you apply for a credit card from a bank online for the first time, you may have to go to the bank for an interview later.

Customers should pay attention to keeping the phone open after submitting the card application, because some banks may call the customer to ask for some relevant information during the review. In this regard, if the call is not received in time, it may have a certain impact on the card approval.

Credit card limit increase:

When applying for a credit card, the bank will approve the limit based on the applicant's comprehensive qualifications, and the credit card can also be used to increase the limit. The method is as follows:

1. Use more credit cards to spend money

If you want to increase your credit card limit, you should use more credit cards to make purchases. Try to use your card where you can. It is best to keep the credit card before applying for the limit increase. Have a stable consumption record for several months, and it is best to make about 20 transactions every month. The merchants where the card is swiped should also be diversified.

2. Appropriate installment arrangements

Appropriate installment arrangements are conducive to credit card limit increases, but it is best not to make the installments too long. 3 to 6 installments are enough, and the installments are The amount should not be too large either. For example, it is very suitable to apply for installment after consumption during some holidays, and the success rate of increasing the amount is also high.

3. Keep good card usage records

If you want to increase your credit card limit, good card usage records are essential, because if you have a bad record on your credit report, you will not be able to increase your credit limit. Yes, so when repaying a credit card, you must pay it back on time to avoid overdue payments and avoid illegal operations such as cashing out.

How to cancel CCB credit card?

There are generally two ways to cancel a CCB credit card:

1. Apply to cancel a credit card online: Use your mobile phone to call the CCB credit card hotline 4008200588 (redirect to manual) or dial 95533 (redirect to credit card customer service) , select the cancellation service according to the voice prompts (provided that the credit card has no outstanding balance);

2. Go to the counter of China Construction Bank to cancel the credit card: Bring your valid ID card and credit card, and fill in the card cancellation application form at the bank. . If the credit card has no outstanding balance or excess deposit 45 days after the application, the cancellation will be successful.

If you don’t want to use your credit card, you can cancel it through the credit card customer service phone. The specific process of canceling the card over the phone is as follows:

Call the bank’s credit card center and ask about cancellation related matters. It mainly depends on whether your card is valid. Suitable for cancellation, whether there is a balance, etc.;

2. Use the phone to cancel the credit card. After receiving the call, the bank will accept the user's application for canceling the credit card and deduct the annual fees due for all cards under his account. Afterwards, the account balance reaches zero or the customer explicitly gives up the remaining deposit in the account.

3. Go to the bank counter to formally cancel the credit card. The cardholder must bring his or her ID card and the credit card to be canceled to the bank to fill out a card cancellation application form. The card may be collected first and the corresponding card cancellation procedures will be done one month later. However, you can also directly make an appointment to cancel the account on the day of card cancellation.

As a friendly reminder, credit card cancellation is divided into card cancellation and account cancellation. It is recommended to cancel the account after canceling the card, otherwise there may be some problems in applying for a credit card again;

If the credit card you want to cancel is in If there are still points that have not been used up, it is recommended to redeem them all before canceling the card;

After submitting the credit card cancellation application and before it officially takes effect, the cardholder should not use the credit card again, otherwise the card cancellation application will be automatically cancelled; After formal cancellation, cut along the magnetic strip of the credit card and discard it to prevent theft.

Credit card cancellation generally takes 45 days from the time when the card is proposed to the official cancellation. Within 45 days, the cardholder needs to settle all outstanding balances. During this period, the credit card cannot be used for consumption. There will be no expected records after 45 days. , the credit card can be officially canceled. Therefore, it is recommended that you call the customer service number after 45 days to confirm whether the card has been successfully cancelled. You can also check at the ATM machine to confirm that the card has indeed been cancelled, and then cut the card.

Some banks stipulate that within 45 days after a credit card is canceled, the canceled credit card can be re-applied for activation. Many people don't know about this item and think that once the card is cancelled, it can no longer be used. In fact, there are many safety hazards during this period, and failure to pay attention will lead to losses. If you throw the card away casually, there is still a possibility of it being stolen. You can also conduct online transactions and transfer money to the card.

How to cancel a CCB credit card account

If the customer wants to cancel the CCB credit card account, please call the CCB customer service hotline 95533 after settling the card account (for overseas please dial 86 -28-95533), press the # key, and then follow the voice prompts to select "3 Credit Card Services" to handle account cancellation registration. After registration is completed, if there are no new accounts payable within 45 days, the account will be officially closed. After officially canceling the account, customers are asked to cut the magnetic stripe of the card by themselves (virtual cards such as E-pay cards do not need to be cut because they do not have physical cards).

(In case of business changes, please refer to the actual situation.)

That’s it for the introduction of how to cancel the CCB credit card account.