Customers who want to cancel their credit cards can call the bank's customer service hotline to cancel. But only when the credit card pays off the debt and there is no balance can you apply for account cancellation. After calling the customer service hotline of the bank, the customer can cancel the credit card by entering the card number and information according to the prompt.
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Loss reporting and cancellation of credit cards are different, and there are several differences between them:
1. Charge:
There is a charge for reporting the loss of a credit card, which is generally within 100 yuan;
Credit card cancellation is free and will not generate any fees;
2. Card status:
After the loss of the credit card is reported, the old card will be invalid, but the account information will be saved, and the card information will be transferred to the new card after the loss is reported; Credit card cancellation directly deletes all the account information of the cardholder. You can't find your account in the bank, but you can use the card before cancellation.
3. Card security: If you report the loss of your credit card, then this card can no longer be traded, which is relatively safe. In addition, many banks don't have credit card protection. The credit card was stolen 48 hours or 72 hours before the loss was reported, but you reported the loss in time, so the loss was compensated by the bank, and the cardholder did not have to bear any losses. In addition, the new card number will change, which can protect the security and rights of customers' card information to the greatest extent.
When the credit card is cancelled after being lost, because the magnetic stripe information of the card is complete, the status of the card can be used, and it is easy for others to steal information and steal it. Moreover, non-credit card transactions, such as off-line transactions on airplanes and ocean tankers, can still occur, and these risks are borne by cardholders.