The credit card cannot be canceled by anyone other than the person who owns it.

Two methods for canceling credit cards:

1. Cancellation at bank branches

Banks are one of the few banks that can cancel credit cards at business branches. , which is the most convenient and safe way to cancel a credit card.

You can go directly to the branch of the Development Bank to cancel the credit card, bring the credit card and ID card to be canceled, and go to the branch to handle it.

2. Cancel bank credit card by phone

In addition to going to a business outlet to cancel the credit card, you can choose to use the bank’s customer service phone number to cancel the Guangfa Credit Card. Call the toll-free customer service number and the customer service will help you cancel it. This way of canceling a credit card is more convenient and faster.

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A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is Credit Card.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

Is it okay to cancel if the credit card limit is too low?

When the credit card limit is too low and the user chooses to cancel, the user first needs to pay attention to the actual situation of his or her credit card. If the user is applying for the first time It is recommended that users do not cancel credit cards, because only by having a credit card can they better maintain their personal credit. Improving your personal credit through daily use of credit cards will be helpful for applying for credit cards or other bank cards in the future.

If the user holds enough credit cards for daily use, he or she can cancel the credit card at the bank where the credit card is located. After all, there are too many cards now, the higher the credit limit you get, and it becomes more and more difficult to apply for a credit card.

If it is your first card, it is recommended that you do not cancel it hastily, as canceling it will affect your personal credit. In fact, having good personal credit now will help you apply for credit cards or other loans in the future.