There are two ways to cancel a credit card:

1. Cancel the card at the outlet. Bring your credit card and ID card to the bank outlet for card cancellation.

2. Call the bank customer service to cancel the card, and remember to cut the card after the card is cancelled.

Credit cards can be cancelled under the following circumstances:

1. The applicant has not received the credit card. The applicant has just applied online, and the bank has not been in a hurry to issue cards or apply through agency channels. The salesperson did not submit the information. At this point, the cardholder can call the customer service center of the card issuer and apply for canceling the credit card. In this case, credit card cancellation is not very important to personal influence.

2. The applicant received an invalid credit card. For a new credit card, if it has not been activated, there is no need to cancel it. The general activation period is one year from the date of issuance. If it is not activated for more than a specified time, the credit card will automatically expire.

3. You are using a credit card. You must be prepared before you cancel your credit card. First, you need to pay off all the debts of your credit card. No matter how much money you save, you have to spend it. Make sure you don't have any extra money in your credit card account, then call customer service according to the voice prompt and apply for canceling the credit card reservation manually. After the next bill date, if your account is flat, that is, not much, not much, then your credit card can be cancelled. Or you can cancel at the counter and bring the necessary documents, ID cards, credit cards and cash. Explain the situation truthfully to the staff.

Main functions of credit card:

1. Credit card is one of the fastest growing financial businesses. It is an electronic currency, which can replace the traditional cash flow to some extent;

2. Credit card has both payment and credit functions. Cardholders can buy goods or enjoy services, or use credit cards to obtain certain loans from card issuers;

Credit card is a high-tech product combining financial business with computer technology.

4. Credit cards can reduce the use of cash and money;

5. Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;

6. Credit cards can simplify the collection procedures and save social labor;

7. Credit cards can promote commodity sales and social needs.

What if I don't want the credit card I applied for? You can cancel by these methods.

Many people are always hesitant to apply for a credit card. After applying, they always struggle whether it is necessary to apply for a card. Some people even don't want it after submitting the application, but also cancel the credit card they applied for. So, what if I don't want it after applying for a credit card? Let's have a look.

How can I cancel my credit card if I don't want it after I apply?

There is actually a way to get rid of the credit card application, but to clearly know the progress of the credit card application, I suggest that you can check the credit card approval status through the credit card official website and WeChat official account, and then take corresponding measures, as follows:

1, under review:

If you find that the credit card application progress is under review, you can use the mobile phone number reserved when you apply for the card, dial the 24-hour service hotline of the issuing bank, transfer to manual service, and ask customer service to cancel the credit card application, but whether it can be cancelled depends on the final result.

2. Approved:

This situation indicates that the card has been approved successfully and cannot be cancelled. If you really don't want a credit card, you can directly call the service hotline of the issuing bank and manually cancel the card after receiving it. Before you cancel your card, you should have a clear understanding of the accounting of the credit card. If the credit card is not opened, the fee will be deducted, and the accounts payable must be settled before the card can be cancelled.

3. Sign in person:

This situation only passed the preliminary examination and needs to be signed in person before the final exam. Usually, there is a time limit for credit card face-to-face signing, which is stipulated in the short message sent. If you don't want a credit card, you don't need to go to the interview. If you don't sign in person within the specified time, the system will automatically end the credit card application.

4. The review was rejected:

If the credit card is not approved, the application will automatically end. In this case, you don't need to cancel yourself.

The above is the introduction of "What should I do if I don't want to apply for credits". I hope it will help everyone. In short, if you don't want a credit card after application, you can check the progress of the next card and take different cancellation methods according to the card approval status.

How to cancel a credit card application

The cancellation process of credit cards in different States is different.

1. Under review: If you find that the credit card application progress is under review, you can call the 24-hour service hotline of the issuing bank with the mobile phone number reserved when you apply for the card, and transfer the manual service, and ask the customer service to cancel the credit card application, but the final result will prevail.

2. Approved: This indicates that the card has been approved successfully and cannot be cancelled. If you really don't want a credit card, you can directly call the service hotline of the issuing bank and manually cancel the card after receiving it. Before you cancel your card, you should have a clear understanding of the accounting of the credit card. If the credit card is not opened, the fee will be deducted, and the accounts payable must be settled before the card can be cancelled.

3. Face-to-face signing: This situation only passed the preliminary review, and the final review is needed after the face-to-face signing. Usually, there is a time limit for credit card face-to-face signing, which is stipulated in the short message sent. If you don't want a credit card, you don't need to go to the interview. If you don't sign in person within the specified time, the system will automatically end the credit card application.

4. Rejection of approval: If the credit card approval is invalid, the application will automatically end. In this case, you don't need to cancel yourself.

First, the difference between card cancellation and account cancellation

1, credit card cancellation

Cancelling a credit card will only invalidate your card. As the name implies, the card cannot be used normally. Many people forget their cards after they cancel them, and some still throw them aside. However, after someone finds your card, criminals will use your magnetic stripe information to reissue the card and then use it for consumption. I didn't realize that the bank would inform you to repay after the credit card bill came out. At this time, if you don't pay attention, you will bring yourself overdue risks and unnecessary troubles! However, when you cancel your credit card and apply for a new one, the bank can't treat you as a new user.

2. Credit card cancellation

Credit card cancellation means that the personal bank credit card information account is completely deleted, and the system does not have all your information. The card needs you to cut off the magnetic stripe with scissors. If you apply for a card again, you can enjoy it as a new user. Some banks hold grudges when closing their accounts. Remember to think twice before you act.

So much for the introduction on how to cancel the credit card application.