It is not difficult to close the account, but usually you call the bank customer service to apply for closing the account, and the bank will not agree with you.

This requires some tips on dialogue and negotiation, which can be shared with you. I wish you a successful negotiation.

When you call the bank for the first time, you will be threatened by words such as collection and address book explosion. Of course, you should be careful at this time and record your dialogue in advance. Once the other party threatens again, you can call 12378 to complain to the CBRC. Someone will contact you later to solve the problem.

In this case, you can contact your customer service actively and ask to close the account. At this time, the bank customer service will provide you with the process of applying for account cancellation and the materials you need to prepare.

Generally, it is a poverty certificate or bankruptcy announcement.

But in fact, the bank has not completely shown its cards, but is constantly testing the cards of users. If it can't be repaid for the time being, the bank can already recover some losses by repaying. I just want to force you. I suggest you take more complaint channels. It is not difficult to apply for suspension.

I wish you an early repayment of your debts. I hope my answer is helpful to you. Search for more credit problems.