Call the customer service number of the credit card center and follow the voice prompts. It should be noted here that some banks do not support credit cancellation over the counter.

There is a 24-hour customer service phone number on the back of the credit card. You can dial the number to cancel. Follow the phone prompts to find a manual service and explain the situation. The customer service staff will help handle it, but they will not cancel it immediately. It takes several on working days.

You can also go to the bank of the credit card to cancel it at the counter. It does not have to be the bank where the account is opened. For example, for a Bank of Communications credit card, you can go to any Bank of Communications to cancel it. But the premise is that you must ensure that the credit card has no outstanding balance before you can cancel it. And it must be in person.

Extended information:

If the credit card is no longer used due to personal reasons, it is recommended to cancel it immediately after paying off the balance. The following situations can be applied:

< p>1. For credit cards that have not yet been opened, you must cancel the card even if you do not plan to activate it. Otherwise, you will still be charged an annual fee every year. It is recommended to cancel the credit card within one month after the card is issued, and no more than 12 months at the latest. What needs to be reminded here is that bank counters do not provide credit card account cancellation services. Most banks require cardholders to call the bank’s credit card center customer service to apply for credit card cancellation over the phone. There is the corresponding customer service phone number of the credit card center on the back of the credit card.

2. For credit cards that have been used normally, the balance must be paid off before the bank can cancel the credit card account. After the bank agrees and registers the account cancellation, the credit card will enter a 6-month freezing period (also called the risk period, the specific time may vary from bank to bank, generally between 45 days and 6 months). During the freezing period, if the If no new debts are incurred on the card, the card will be officially canceled successfully after the freezing period.

3. After successfully canceling the card, it is best to cut off the magnetic card of the credit card yourself. In addition to the situation where the credit card has a debt and cannot be cancelled, there are also people who deposit more money than the debt when repaying. , resulting in a balance on the credit card, and it is impossible to apply for card cancellation. It is recommended that the balance be consumed.

?Baidu Encyclopedia - Credit Card