Credit card cancellation is divided into account cancellation and card cancellation. If you choose to cancel your account, all credit cards in the name of the bank will be cancelled.
When a bank has multiple credit cards, it only needs to cancel one of them and choose to cancel the card business.
Cancelling one credit card will not affect other credit cards.
If multiple credit cards share a credit limit, the total credit limit of the credit cards will not be affected unless the credit card with the highest credit limit is cancelled.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers.
It is a card with 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 specialized 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 limits.
Credit card advantages:
Compared with ordinary bank savings cards, the most convenient way to use credit cards is for ordinary consumption, and there is no cash in the cards. In many cases, it is enough to return the consumption amount on time.
You can spend without deposit overdraft, and enjoy an interest-free period of 20-56 days to repay on time without any charge (most banks will charge 0.5% interest on the day of cash withdrawal, and there will be a 2% handling fee, but ICBC will only charge interest).
1. It is not only safe and convenient to swipe your card when shopping, but also a bonus gift.
2. Special merchants who hold cards in banks can enjoy preferential treatment.
3. Accumulate personal credit, add a credit record to your credit file, and benefit for life.
4. Access to the whole country is barrier-free, and you can withdraw money or swipe your card at ATMs and POS machines with UnionPay logo; (Note: Credit cards are only suitable for credit card spending, and it is best not to withdraw cash, which is very expensive and uneconomical).
5. Credit card spending, extracting existing points from some credit cards, and various discounts and lottery activities throughout the year, so that you can always have surprises as long as you use the card; Most credit cards pay online without points, but online payment is very convenient and fast.
6. Mail the statement free of charge every month, so that you can grasp every consumption expenditure transparently; (Now advocating environmental protection, you can cancel the paper statement and change it into an electronic statement. )
7. Unique supplementary card function, suitable for husband and wife to jointly manage money or master children's financial expenditure.
8. The free choice of one card and two currencies is popular all over the world, and consumption abroad can repay in RMB.
9.400 telephone or 5-digit short number prefixed with "9" provides 24-hour service, and loss reporting takes effect immediately, with zero risk of card loss.