Can I cancel my credit card?

the credit card cannot be cancelled on the mobile phone. Credit card cancellation can be handled in the following ways: call the credit card customer service hotline to cancel the card (usually, you can find the customer service phone number on the back of the credit card), cancel the credit card at the bank outlet, and cancel the credit card at the credit card bank counter. You must be a cardholder to cancel your credit card. When you cancel your credit card, you need to pay off the credit card debt without overpayment, otherwise you can't cancel your credit card.

call the credit card customer service hotline to cancel the credit card: there is a 24-hour customer service phone on the back of the credit card. Customers can cancel their credit cards by calling. After the customer makes a phone call, he will find an artificial customer service staff to explain the specific situation according to the relevant telephone prompts, and the customer service staff will assist in handling it. However, it will take several working days and cannot be cancelled immediately. (Reminder: some banks don't support the cancellation of credit cards at the counter)

Cancel at the counter of credit card bank: customers can cancel their credit cards at the counter of credit card bank, not necessarily the opening bank. For example, the credit card of Bank of Communications can be cancelled at any Bank of Communications counter. The premise is that the customer must guarantee to settle the credit card arrears, and I will personally handle the cancellation business.

if you stop using your credit card for personal reasons, you should cancel it in time to avoid being used maliciously.

1. For the credit card that has not been opened, if the customer does not intend to activate it, it is also necessary to cancel the credit card, otherwise the customer will pay an annual fee. It is recommended to cancel the credit card in time within one month after issuing the card, no later than one year. Most bank counters do not provide credit card cancellation service. Cardholders need to call the bank credit card customer service number to apply for cancellation of their credit cards (the 24-hour customer service number can be seen on the back of the credit card).

2. after the cancellation of the credit card, the credit card will enter a six-month freeze period, also known as the risk period (the situation of different banks may be different, generally between 45 days and 6 months). During the freezing period, the customer has no new arrears, and the card will be officially cancelled after the freezing period.

3. According to historical records, the earliest credit card appeared at the end of 19th century. In the 198s, the British clothing industry first developed credit cards, and then the tourism and business sectors followed suit. At that time, cards could only be used for short-term commercial credit, and they could not be in arrears for a long time, and there was no so-called credit line.

generally speaking, the shape of a credit card is usually a card with a length of 85.6mm, a width of 53.98mm and a thickness of 1mm, and the name, number and other related contents of the card issuer will be printed on the front, and the signature strip will be printed on the back. Cardholders can use their cards to make purchases from some specific units, and they can enjoy certain preferential strength. The first bank to issue credit cards was Franklin National Bank in California, USA. As early as 1952, they seized the opportunity and became the first bank to issue credit cards. Since then, many banks have issued their own bank cards, and this queue is getting bigger and bigger. In 196s, bank credit cards have been welcomed by all walks of life and developed rapidly. Credit cards have become popular in many countries. In the 196s, credit cards had been developed for more than 5 years and were widely used in most countries around the world. In 198s, credit cards officially entered the China market and developed rapidly.

can I cancel my credit card?

yes. Credit card cancellation can be done by calling customer service and bank outlets.

1. Call customer service: Call the customer service number of the corresponding credit card center, and the service personnel will help you cancel the account online after verifying your identity.

2. Handling at bank outlets: Bring my ID card and related credit cards to the corresponding bank outlets and ask the staff to help them cancel.

before canceling the credit card, be sure to check whether there is any debt in the card. You can bind the bank or telephone to check whether there is any debt.

1. Can the credit card be restored after cancellation?

a cancelled credit card can be restored. If only the cancelled card can be restored, the cardholder can use it again only by holding his valid ID card to the relevant bank to handle the business of restoring the credit card. If the credit card is cancelled, it can't be restored, because the cancellation means that all the information of the user has been eliminated. If you want to continue to use the bank's credit card, you can only apply for a new credit card.

second, the credit card is not activated, so I don't need to cancel it?

there is no need to log off.

according to the relevant regulatory policies of the central bank, without an activated credit card, banks can't charge fees, including annual fees, credit card fees, SMS notification fees, etc. These fees can't be charged, so even if the credit card is not activated, there is no need to cancel it.

However, when reading the credit history, these inactive credit cards will be displayed in the information card column, but these inactive credit cards will not be read generally, so it has no effect.

3. How to unlock a locked credit card?

According to different reasons for being locked, there are different solutions:

1. If the credit card is locked due to overdue, the cardholder should return the overdue amount as soon as possible. After paying off the overdue amount, the cardholder can call the credit card center of the issuing bank, and the general bank will unlock it;

2. If the cardholder locks the card because the credit card is lost or stolen, the card issuing bank will release the lock after the relevant matters are handled, and the cardholder can also take the initiative to ask for unfreezing;

3. If the bank thinks that the cardholder cashes out, the card can't be unsealed generally, but if there is evidence to prove that it is not the cardholder cashing out, but the merchant's Pos machine has a problem, the credit card center may also unlock it.

can I cancel my credit card?

I can cancel my credit card.

to cancel a credit card, you need to pay off all the debts in the credit card, call customer service or use the credit card software to apply for cancellation. If there is a bill installment in the credit card, you need to settle the bill installment in advance before you can cancel it.

if you want to cancel your credit card, you must ensure that there is no debt on the credit card, and then you can cancel it. Within 3 days after cancellation, it belongs to the hesitation period. As long as you are in this hesitation period, you can call customer service at any time to apply for resumption of use.

related precautions

after the credit card is cancelled, "cancelled" will be displayed on the credit report. After the cancellation of the credit card, there is no repayment record, but it will leave traces of cancellation on the credit information. But it has no effect on individuals. If you think that a credit card is too small to use, you can apply for cancellation. However, canceling multiple credit cards of the same bank is called card cancellation.

if the same bank has only one credit card, then cancellation is called account cancellation. There is still a big difference between canceling a card and canceling an account. The cancellation of a card is just the cancellation of a credit card, and the cancellation of an account is the cancellation of all credit cards under a certain bank name. After the card is cancelled, it will not affect the application for the bank's credit card in the future. However, after the account is cancelled, it will be easy to be rejected when applying for the bank's credit card again. However, for individuals and credit information, there is no impact.

can I cancel my credit card?

I can cancel my card. You can apply for card cancellation by calling the 24-hour customer service hotline. When you cancel the card, you can't owe money on the account. In order to ensure the security of the account, you must have the card with you when you cancel the card by phone. If the card is lost, you can only cancel it at the counter of the outlet. If there are new accounts payable within 45 days (inclusive) after the card is cancelled, it will still be borne by you. After 45 days of card cancellation, if the account has no arrears or overflows, the system will automatically cancel the account without going through any formalities.

the earliest credit cards appeared at the end of 19th century. In the 198s, the British clothing industry developed the so-called credit card, and the tourism and business sectors also followed this trend. However, at that time, the card could only be used for short-term commercial credit, and the money still had to be paid as needed, and there was no long-term default and no credit line.

Credit cards are generally special plastic cards with a length of 85.6mm, a width of 53.98mm and a thickness of 1mm. The name of the card issuer, expiration date, number, cardholder's name and other contents are printed on the front, and there are chips, magnetic strips and signature strips on the back. Cardholders can use their credit cards to shop, spend money and deposit and withdraw cash from banks.

It is said that one day in 195s, Frank McNamara, an American businessman, entertained guests at a restaurant in new york. After eating, he found that he had forgotten his wallet with him and had to call his wife to bring cash to the restaurant to settle the bill, so he was deeply embarrassed. So McNamara came up with the idea of establishing a credit card company. In the spring of 195, McNamara and his good friend Schneider jointly invested 1, US dollars to establish DinersClub in new york, the predecessor of Diners Credit Card Company. Diners' Club provides members with a card that can prove their identity and ability to pay. With the card, members can charge to the designated 27 restaurants without paying cash. This is the earliest credit card. This kind of credit card that does not need to be handled by a bank belongs to commercial credit card.

In p>1952, Franklin National Bank of California, as a financial institution, first issued a bank credit card, becoming the first bank to issue a credit card.

in p>1959, American bank of America issued the American bank card in California. Since then, many banks have joined the ranks of card-issuing banks. In the 196s, bank credit cards were quickly welcomed by all walks of life and developed rapidly. Credit cards became popular not only in the United States, but also in Britain, Japan, Canada and European countries. Since 197s, Hongkong, Taiwan Province, Singaporeans and Malaysians have also started to handle credit card business.

Can I cancel my credit card?

If you don't want to use the credit card you applied for, you can cancel it directly. The cardholder can apply for cancellation at a bank outlet or directly call the customer service hotline.

1. Generally speaking, banks cancel their credit cards mainly in the following ways:

1. Bank outlets cancel their credit cards. Generally speaking, many people will choose to cancel their credit cards at business outlets, because relatively speaking, it is the most convenient and safe way to cancel their credit cards at business outlets. Cardholders can cancel their credit cards directly at bank outlets, bring their credit cards and ID cards to be cancelled, and go to the outlets to handle them.

2. Call customer service to cancel the credit card. Call the bank customer service phone to transfer the manual service, and ask the bank customer service to cancel it. This way of canceling the credit card is more convenient and faster.

second, credit cards generally need to be activated before they can be processed, so some credit cards need to be activated before they can be cancelled. Of course, whether they will be automatically cancelled if they are not activated depends on which bank's credit card you apply for. Some bank credit cards have a time limit for activation. If they are not activated when they expire, banks will be automatically cancelled, and they can't be activated again if they want to.

a credit card, also known as a debit card, is a credit certificate issued by a commercial bank or credit card company to a consumer with qualified credit. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

the credit card stipulated in the relevant laws of our country (the NPC Standing Committee's Interpretation of the Provisions on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or some functions such as consumer payment, credit loan, transfer settlement, cash deposit and withdrawal? . On December 1, 217, the Standard for English Translation and Writing in Public Service Field was officially implemented, stipulating that the English name of the CreditCard standard is Credit Card.

Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, 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 cardholders have a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.

Can I cancel the credit card if I don't want to use it?

It is not recommended to cancel the credit card if I don't want to use it, mainly because it will have some bad effects. It is discussed in two situations according to the current status of the credit card:

1. The credit card with normal repayment

The credit card has been used before and has been repaid on time without overdue. Normally, such a credit card can be cancelled at any time if it wants to cancel, but if you want to know clearly, it will still be recorded on the credit report after the credit card is cancelled, and simple basic information, such as the amount and bank of deposit, will still be displayed, but the status will become cancelled.

in this way, if you apply for the same bank's credit card next time, the bank will find the previous cancellation record during the examination and approval, and will ask the reason for cancellation during the telephone examination. It is not difficult to imagine how much it will affect the card application again. There are also banks that can't become new customers even if their credit cards are cancelled and then apply, and they can't enjoy the card opening ceremony of new households.

2. Credit cards with overdue records

Many people don't want to use their credit cards after they have been paid off. They want to cancel their credit cards to eliminate bad records. As a result, they didn't expect the overdue records of credit cards to still be displayed after cancellation, which is a bit of a mistake. It is important to know that the bad behavior of credit cards will not be eliminated until they are kept for 5 years from the date of termination, so the cancellation after overdue repayment cannot eliminate the bad records.

on the contrary, because the credit card can no longer be used after cancellation, new records cannot be generated to cover the bad records, and the credit business may be rejected before the bad records are eliminated.

It's very troublesome to cancel a credit card. It may not be so troublesome to use and handle a credit card, especially to handle a credit card. Many people only handle a credit card in a few minutes when they are shopping in the mall, not to mention using it. Just swipe the card and enter the password. However, if you want to cancel a credit card, it is relatively simple, but it will be difficult to apply for a new credit card, and the bank's audit will be more strict. Even some banks have relevant regulations, so they can't apply for a credit card again within 6 months after canceling the credit card, so it's better to think carefully if you want to cancel it.

This is the end of the introduction about whether a credit card can be cancelled and what impact it will have. Did you find the information you need?