How to cancel a credit card account?

How to cancel a credit card account

1. Cancel phone banking.

Basically, general credit cards can be canceled through telephone banking. Of course, some banks may be a little troublesome, while others are different. For example, China CITIC Bank, China Merchants Bank, etc. are very convenient. Please note that the credit card must be able to be canceled before it can be canceled by phone.

2. Cancel at the bank counter.

Going to the bank counter to cancel is also an option. But please pay attention to a few points:

First: Bring necessary documents, such as ID card, credit card, and if you owe money on your credit card, also prepare money!

Second: Remember to avoid the peak hours of the bank to avoid waiting in line for too long and delaying your normal work and life.

Third: Explain the situation to the staff truthfully. If you really want to cancel the card, don’t change your mind easily.

First, before applying for account cancellation or cancellation of a credit card, you must ensure that the points in your credit card have been redeemed to avoid wasting points. Because credit card points are consumption rewards given to users by the card-issuing bank, they can be redeemed for corresponding items at the card-issuing bank. After canceling the account or canceling the card, all the points in the card will be reset to zero, so be sure to redeem all the points before canceling the account or canceling the card to avoid unnecessary losses.

Secondly, you must not use your credit card during the period of clearing your credit card account. Because there will be a 45-day "clearance period" before the credit card account cancellation officially takes effect. During this period, if you try to use the credit card again, the account cancellation will fail. Therefore, if you are not sure whether the account cancellation is successful, you can contact the card-issuing bank to inquire. Of course, if the user regrets the account cancellation before it officially takes effect and wants to withdraw the application for account cancellation, he or she can contact the card-issuing bank to re-enable the function.

Thirdly, you need to be careful when canceling your account or canceling your credit card after it expires. If your credit card is overdue, apply for account cancellation or card cancellation immediately after settling the outstanding balance, but you can still have your overdue record in the credit report of the card-issuing bank. And the overdue record of this credit card will remain on your personal credit report for 5 years. So what do we do? The correct approach is to continue to use this credit card after repaying it in full, and gradually cover up the overdue bad records with good records. In two years, the overdue records will no longer have an impact on your personal credit report.

Fourth, if you only cancel the credit card but do not cancel the account, you will not be able to enjoy the benefits of new users. Many banks stipulate that after a credit card account is successfully closed for 6 to 12 months, if you apply for a new credit card again, you can enjoy the benefits of new users again. But if you just cancel the card without closing the account, you will be considered an old customer at the card-issuing bank, so you will not be treated as a new user when you apply for a new credit card again.

So canceling a credit card and canceling an account may seem simple, but in fact there are many things to pay attention to. Therefore, you must make preparations before canceling your account or card to reduce unnecessary trouble!

How to cancel a credit card?

The main ways to cancel credit cards are:

1. Cancellation at the card-issuing bank outlet:

Cardholders can bring their personal ID cards and credit cards to the card-issuing bank offline. Go to the counter of the business hall branch to apply for cancellation of your credit card and go through the cancellation procedures with the help of the staff.

2. Customer service phone cancellation:

Card holders can directly call the customer service hotline of the credit card center of the issuing bank. After the call is answered, follow the phone voice prompts to transfer to manual service and report to work The employee applies to cancel the credit card and waits for the staff to verify the personal identity before canceling the credit card.

3. Go through bank card cancellation procedures over the counter at bank branches: All major banks have windows for credit card cancellation. Please bring relevant personal documents, such as ID card and credit card. If you owe money on a credit card, bring cash and pay off the debt;

4. Cancel the credit card through official online banking: All major banks in China have online banks where you can submit and fill in your ID card and credit card data. To apply for account cancellation, submit the application and wait for the bank to call you to confirm;

5. Cancel the credit card through the official credit card customer service phone: Dial the official credit card service hotline, transfer to manual service, and ask the manual customer service to apply for cancellation of the credit card.

Before making a call, be careful not to have any debt or balance on your credit card, otherwise you will not be able to cancel the account;

6. Cancel credit card through the bank’s official official account or the credit card’s official official account: all major banks in China have There is an official official account. As long as you bind the card and find the credit card cancellation, you can cancel the credit card on the official account;

7. Cancel the credit card through the bank's official APP: major banks include credit card services The center may have a personal official website APP, and you can cancel your credit card directly on it.

How to cancel a credit card account?

If the customer wants to cancel the credit card in his name, he can directly call the hotline number of the card-issuing bank and press "0" to contact the customer service staff to apply.

If there is an offline branch of the card-issuing bank near where you work or live, the customer can also bring his or her personal ID card and credit card to the branch counter to apply for cancellation.

Everyone needs to note that after submitting a cancellation application, the bank will generally not cancel the card for the customer immediately. Instead, it will leave a forty-five-day settlement period until the forty-five days have passed. , confirm that there are no new bills or excess overpayments on the card, and then the card will be officially canceled for the customer.

If there are unpaid bills or excess overpayments in the card, it will not be possible to cancel it successfully. Therefore, it is recommended that customers check the card situation before applying to cancel the card. If there is an unpaid bill, pay off the bill as soon as possible; if there is excess overpayment, then Quickly withdraw the overpayment first, and then apply for cancellation.

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How to completely cancel a credit card account

There are several methods to cancel a credit card account:

Mobile account cancellation: Cardholders can call the bank’s customer service number, confirm their identity, and then go to the manual service center to cancel their credit card account;

Business account cancellation: Cardholders can bring their ID card, Go to the card-issuing bank to cancel your credit card account and handle it at the counter.

The process of canceling a credit card account is:

1. If you need to confirm that the credit card has been processed and there is no outstanding balance, you can call the credit card customer service hotline on the back of the card;

2. Then submit a card cancellation application to the customer service staff and wait for the bank's notification;

3. After the bank notifies the counter to cancel the card, the cardholder needs to fill in the card cancellation application form at the branch and sign a card cancellation application form with the bank. Agreement, and take photos and files;

4. Sign and confirm on the bank cancellation registration form;

5. After the employee confirms his identity, he cuts the card in person to complete the card cancellation.

It is worth noting that canceling a credit card account will cancel the credit card account. After cancellation, the credit card can no longer be used. If you choose to cancel the card, the credit card account will still be there and you can still use it again later.

Notes on canceling a credit card:

Confirm the balance

When canceling the account, make sure that there is no outstanding balance on the credit card. If there is any debt, it needs to be paid first. If you have extra money, the bank will ask you to provide a savings card from your own bank to transfer the excess money to your savings card account.

Destroy the card

When you cancel, customer service will instruct you on how to destroy the card and ask you to cancel the payment withholding agreement bound to the payment platform. If your usual payment software has bound a credit card, you should unbind it as soon as possible. For example, Alipay, WeChat, Meituan, etc. can avoid new consumption.

Confirm the result

Generally, if a credit card cannot be canceled immediately, there will be a liquidation period, which is basically 45 days. The purpose of this is to ensure that there are no delayed transactions after canceling the card. During this period, no one is allowed to worsen consumption, otherwise the card will not be cancelled. When the time is up, you can call the bank to check whether the card has been canceled successfully.

Classification of credit cards:

According to different card issuers, they can be divided into bank cards and non-bank cards

(1) Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

(2) Non-bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly.

Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., and are used for purchasing tickets, meals, accommodation, entertainment, etc.

How to cancel a credit card account

1. Call the customer service number to cancel the credit card

You can apply for card cancellation by calling the 24-hour customer service hotline of the bank's credit card. There must be no outstanding balance in the account when canceling the card, and to ensure the security of the account, the card must be with you when canceling the card over the phone.

2. Go to the bank counter to cancel the credit card

If your bank credit card is no longer used and lost, you can only go to the bank branch to cancel the credit card. If there are new accounts payable within 45 days (inclusive) of card cancellation, you will still be responsible for it. If there is no outstanding balance or over-deposit in the account 45 days after the card is canceled, the system will automatically cancel the account without any procedures.

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 (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay;

A quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, the card can be overdrawn within the specified credit limit. The so-called credit card generally refers to a credit card only.

Application

In most cases, citizens who have full capacity for civil conduct (citizens over 18 years old in mainland China) and have certain direct financial resources can apply to the card-issuing bank. Apply for a credit card. Sometimes, legal persons can also be applicants.

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country.

Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank.

After the customer fills in the application form truthfully, he or she must also submit relevant credit certificates while submitting the completed application form. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature.

Cancellation

Before canceling a credit card, the account balance must be cleared. The entire process of canceling the card must be completed within 45 days after the application is submitted.

How to cancel a credit card account?

To cancel a credit card, cardholders can apply for cancellation in the following two ways:

1. Cancellation at the counter: Credit card users can bring their valid ID and credit card to the card issuing office Apply to cancel the credit card at the bank's branch counter, and then the staff will help us cancel the credit card.

2. Cancellation by phone: If the credit card no longer wants to be used, the cardholder can directly call the customer service hotline on the credit card, follow the voice prompts to the manual service, and then enter the ID number, credit and other information. After identity verification, you can apply to cancel the credit card. When applying to manual customer service to cancel a credit card, the customer service may persuade us to continue using the credit card. If we really have no need to continue using the credit card, then we should be firmer.

Note that whether you choose to apply for cancellation at the bank branch counter or by calling the customer service hotline, when applying to cancel a credit card, you need to pay off the credit card debt in advance and ensure that there is no balance in the credit card account. , and you need to ensure that there is no balance in the credit card account before you can cancel the credit card. Otherwise, you cannot cancel the credit card whether there is a balance in the account or a debt in arrears.

Finally, I would like to remind everyone that under normal circumstances, the card cancellation cycle is 45 days. The bank will not cancel the credit card for the user until it confirms that the cardholder has not generated a new bill within 45 days. Everyone applies to cancel the credit card 45 days after Remember to call the bank customer service hotline to inquire whether the credit card has been successfully canceled. After confirming that the cancellation is successful, it is recommended to use scissors to completely destroy the credit card. If you do not want to cancel the credit card within 45 days, you can apply to cancel the cancellation application.

If a credit card holder has overdue behavior while using the credit card, it is usually not recommended to apply to cancel the credit card after paying off the debt. The correct approach is to continue to use the credit card and maintain good repayment. If you continue to use the card for 2 years, you can write off previous overdue transactions with good records.

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