Of course. Personal bank debit cards can entrust others to cancel their accounts. If a personal bank debit card entrusts someone else to cancel the account, I need to issue a power of attorney to the agent, and ask the agent to bring his identity certificate, bank card and power of attorney at the same time when canceling the account. If there is no cash balance in my bank debit card account, it shall be calculated from the month after the account has no balance. After two years, the banking system will automatically close the account, and there is no need to entrust the account to close. Bank credit card (credit card) cancellation can be directly cancelled as long as you go directly to the customer service of the electric bank.

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Credit card holders enjoy the following preferential conditions for non-cash transactions:

(1) Interest-free repayment period. The interest-free repayment period is from the bank bookkeeping date to the due repayment date stipulated by the issuing bank. The longest interest-free repayment period is 60 days. Cardholders can enjoy an interest-free repayment period by repaying all the used bank funds before the due repayment date, without paying interest on non-cash transactions.

(2) Minimum repayment amount. If the cardholder has difficulty in repaying all the money used by the bank before the due repayment date, he can repay according to the minimum repayment amount stipulated by the issuing bank.

Article 21

When the credit card holder chooses the minimum repayment method or uses the card beyond the credit limit approved by the issuing bank, he will no longer enjoy the interest-free repayment period, and the overdraft interest will be calculated at the specified interest rate from the bank bookkeeping date.

Credit card holders who withdraw cash or quasi-credit card overdrafts do not enjoy interest-free repayment period and minimum repayment amount, but should pay overdraft interest calculated at the prescribed interest rate on the cash transaction amount or overdraft amount from the bank bookkeeping date.

Article 22

The issuing bank charges 5% of the outstanding minimum repayment amount and the over-limit credit line of the credit card holder with a late payment fee and an over-limit handling fee respectively.

Article 23

Credit card overdrafts are compounded monthly, and quasi-credit card overdrafts are charged monthly interest. The overdraft interest rate is 0.5 ‰ of the daily interest rate, which will be adjusted according to the current interest rate adjustment of the People's Bank of China.

Article 24

Commercial banks should charge merchants the settlement fees for bank card acquiring business according to the following standards:

(a) hotels, restaurants, entertainment, tourism and other industries shall not be less than 2% of the transaction amount;

(two) other industries shall not be less than 65438+ 0% of the transaction amount.

Article 25

Inter-bank transactions shall implement the following profit sharing ratio:

(1) In cities without information exchange centers, the settlement fees charged from merchants shall be distributed according to the ratio of 90% of the issuer and 0/0% of the acquirer; Commercial banks can also conduct inter-bank transactions through negotiation, equipment sharing, agency and free of charge.

(2) In cities where information exchange centers have been established, the settlement fees collected from merchants are distributed according to the ratio of 80% of the issuing bank, 80% of the acquiring bank 10% of the information exchange center 10%.

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Can I cancel the credit card issued by the bank instead of myself?

Credit cards issued by banks must be cancelled in person, so as to set an example. Related operation procedures of CCB's credit card account cancellation: First, the cardholder should report the reasons for account cancellation to customer service Chen Qing, and fill in the corresponding credit card account cancellation application form. Customer service can cancel the card after verifying the identity information of the cardholder. However, if the credit card has arrears, including annual fees and handling fees, you need to pay off the corresponding arrears before you can cancel the card. At present, CCB credit card users can also directly call the CCB credit card hotline (to manual) or call 95533 (to credit card customer service), and then directly apply to customer service for card cancellation. And provide your own relevant identity information so that customer service can check the information. Generally speaking, when the cardholder applies for canceling the card, the customer service will advise you to continue using it. So if you really want to cancel the credit card of CCB, you must be tough. After checking the credit card and cardholder information, the customer service can handle the card refund business.

Is it serious to cancel the credit card? Can't I cancel my credit card?

Is it serious to cancel the credit card? Can't I cancel my credit card?

Are the consequences of canceling credit cards serious?

Users who have handled credit cards know that credit cards have an annual fee. Credit cards handled by ordinary users need to pay the prescribed annual fee if they are not used for a long time. Many users easily forget the existence of the annual fee, which leads to their overdue.

So many users who don't use credit cards very much want to cancel their credit cards in order to avoid this kind of thing.

However, some users are worried that if they cancel their credit cards, it will bring them bad consequences. Will it bring them bad consequences?

Normally, canceling credit cards will not bring direct adverse consequences to users. After all, major users have not overdue repayment and have not violated the regulations on the use of credit cards, so there will be no adverse consequences.

However, credit card cancellation does have some indirect consequences, mainly affecting the handling of other credit cards in the later period.

After we apply for a credit card, the bank will review the user's application and apply for a card after the approval, which also consumes the bank's manpower and material resources.

Therefore, if the user cancels the credit card, it is not very useful, and the bank may worry that the user will cancel it after applying, wasting the bank's manpower and material resources, so that it will not issue cards to the applicant again.

Therefore, when users want to cancel their credit cards, it is best to think carefully to avoid being stuck when applying for credit cards in the future.

Can't I cancel my credit card?

Credit cards can only be cancelled by themselves. Users can bring their ID cards and credit cards to the bank counter to cancel their accounts, or they can directly call the bank customer service phone to cancel their accounts.

Credit card cancellation can only be successful if there is no arrears and overpayment in the account. In addition, users should note that credit cards will not be cancelled immediately after applying for cancellation.

Banks will have an audit cycle, which is usually about 45 days. Therefore, during this period, users must take good care of their credit cards and don't throw them away at will to avoid being stolen by others.

Even if the credit card has been successfully cancelled, users had better destroy it directly, instead of throwing away the complete card directly, so as to avoid personal information in the entry being obtained by others and causing trouble to themselves.

If someone else has my credit card, how can I cancel it? Can others cancel their credit cards?

Giving credit cards to others is risky. Once overdue, the bank will only ask the cardholder to collect it. If someone else doesn't return the credit card, they can only cancel it. Someone will ask how to cancel my credit card if someone else has it. Can others cancel their credit cards? Let's get to know each other.

Someone will ask how to cancel my credit card if someone else has it.

There are two ways to cancel credit cards: telephone cancellation and outlet cancellation. If it is a cancellation of outlets, you must bring a credit card, a mobile phone with a number reserved when you apply for a card, and a valid ID card for handling a card. If someone wants to cancel their credit card, they can only cancel it by phone.

It's easy to cancel a credit card call. Just dial the credit card service hotline with the mobile phone number filled in when you apply for the card, enter the number of manual service according to the voice prompt, transfer the manual service, and report the ID number. After the customer service verifies the identity, it will check the credit limit in the card. If there is no debt or balance, it will be cancelled. If there are no new accounts payable, the domestic customers will succeed within 45 days.

Can others cancel their credit cards?

Generally speaking, whoever handles the card will cancel it, so there is no saying that others will help cancel the credit card, even immediate family members are no exception. Parents can't cancel their son's credit card.

However, if someone else has mastered the applicant's card information, such as the ID number, and got the cardholder's mobile phone, they can also pretend to be the cardholder and call the bank to cancel, which is impossible to prevent. But there is a 45-day settlement period for credit card cancellation. In the meantime, if you find that your credit card has been cancelled by others, you can still call the bank to cancel your credit card.

The above is "others have my credit card, how can I cancel it?" I hope it helps you.

Can others cancel their credit cards? Let's stop here.