How to cancel a credit card

There are two ways to cancel a credit card:

1. Cancel by phone. Users can cancel their credit cards directly by calling the bank's hotline.

2. Cancellation at the bank counter. Users can bring their personal identification documents to the bank counter and apply to cancel their credit card.

How to cancel a credit card if you no longer want to use it

How to cancel a credit card if you no longer want to use it:

1. Cancel via telephone banking. Most credit cards can be canceled through telephone banking. Call the credit card service hotline 4008205555 (dial from mobile phone) or 8008205555 (dial from landline only), enter personal information and press "9" to transfer to manual service. Cancel the credit card under application: If you need to cancel during the credit card application process, or if you have objections to the card application, please call the service hotline for further confirmation (cancellation cannot be done online).

2. Go to the relevant bank counter to cancel the credit card. The cardholder must bring his or her ID card and the credit card to be canceled to the bank to fill out a card cancellation application form.

Applying for a credit card has the following benefits:

1. Benefits of supplementary card: The supplementary card is a supplementary card to the main credit card and is specially used by the cardholder’s family. The supplementary card enjoys the credit limit of the main card, and all outstanding consumption expenditures of the supplementary card can be repaid directly by the main card. For children studying in other places, parents can give their children supplementary cards, and they can control their children's financial expenses through card management.

2. Benefits of points: In order to encourage cardholders to spend more by swiping their cards, banks have set up a point-earning service for swiping their cards. The points earned can be exchanged for exquisite gifts, including daily necessities, home appliances, computer accessories, etc. Most banks have cooperation with airlines, and the points can also be exchanged for airline miles.

3. Benefits of overseas consumption: Credit cards include dual-currency cards and single-currency cards. Dual currency refers to a card that supports domestic consumption and foreign consumption; single currency refers to a card that supports domestic consumption or foreign consumption. When applying, you choose a card with the UnionPay logo or the foreign currency logo. For cards that support foreign currency consumption, you can directly swipe the card for consumption when traveling abroad, and repay the money directly in RMB.

4. Credit benefits: If you don’t have a credit card and have never borrowed money from a bank, you have no credit. At present, in financial and economic activities, having a good credit record is a benefit. For example, when it comes to getting approval for a loan to buy a house or a car, it is much easier for people with a credit record than those with no credit.

However, overdue credit card payments will affect your credit report. Regardless of whether you forget to repay or deliberately fail to repay, as long as it is overdue and uploaded to the credit reporting center, the bad credit reporting record will be retained for 2-5 years. Within these 2-5 years, if you want to buy a house or a car, you will be affected by a bad credit record. In most cases, the loan approval will be rejected.

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 outlet 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 answering the call, 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 credit card cancellation windows, so bring your 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?

The ways to cancel a credit card are:

1. Customer service hotline:

Cardholder You can call the customer service number of the issuing bank's credit card center on the card. After getting through, follow the voice prompts to transfer to manual service, and then submit an application to cancel the credit card account to the staff. The staff will generally ask the cardholder to provide their ID number, credit card, and CVV2. After the cardholder provides it one by one, the identity verification can be passed, and then the account cancellation business can be processed.

2. Processing at the counter of a bank outlet:

Cardholders can bring their ID card and credit card to the counter of the card-issuing bank's business outlet and submit an application to cancel the credit card account to the staff. Then, the cardholder fills out the application form as required and submits personal information one by one, waiting for the staff to review it. After passing the review, the business can be processed.

The process of canceling a credit card if you no longer want to use it:

1. Confirm the balance. Determine remaining arrears and balances to the nearest cent.

2. Destroy the card and untie the payment and withholding agreement of the payment platform. Be careful not to add new consumption. At this time, we need to check the previous binding records on Alipay, WeChat, Meituan, mobile phone automatic recharge or water and electricity payment and withholding platforms one by one, and cancel the binding immediately to avoid new consumption; < /p>

3. Call customer service to confirm the result. The credit card cancellation cycle is 45 days. After that time, call the bank’s customer service number to confirm whether the card cancellation is successful.

4. Canceling the card does not mean canceling the account. If it is determined that it is not needed, it is best to cancel the card and account at the same time. If you only cancel the card, you will not be able to enjoy the benefits and benefits of new customers if you apply for a credit card from the same bank next time. This problem can be avoided by canceling the account.

It should be noted that canceling a credit card does not mean canceling the account:

According to the "Management Measures for Customer Identification and Preservation of Customer Identity Materials and Transaction Records of Financial Institutions", bank account information automatically Transactions will be kept for at least 5 years from the year they are recorded. Therefore, after the credit card is cancelled, the account still exists, and customers can also query the transaction records of this credit card if necessary.

For customers, if they plan to cancel the card, it is best to know in advance the card opening time and the time it will take to cancel the card, and reserve time to cancel the card before the next annual fee is charged, so as to avoid paying an extra year. fee.

In addition, canceling the card is not the same as canceling the account. Some banks will still retain customer information after canceling the card, while canceling the account will delete all customer information. Therefore, it is recommended that cardholders cancel the card as well. Handle account cancellation, which can not only protect the security of personal information, but also enjoy the benefits of new customers when applying for a new credit card from the bank in the future.

This ends the introduction on how to cancel a credit card and how to cancel a credit card account. Have you found the information you need?