How to cancel the credit card you applied for if it is not activated?

The credit card you applied for is not activated. The cancellation method is as follows:

1. To cancel at the bank counter, you need to bring your own Original ID card and credit card.

2. Dial the bank’s customer service number, find a manual operator through independent voice prompts, and ask them to help you manually log out. After selecting manual cancellation successfully, the credit card will be automatically canceled in the next month after applying for manual cancellation successfully.

Since the card is sent by mail after the credit card application is approved, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from fraud losses, the credit card has set up a card opening procedure before it is officially launched.

Card opening is mainly done by phone or online. The relevant personal information provided during the application is checked. Once the card is met, the card opening process is completed. At this point, the applicant becomes the card holder and can officially start using it after signing on the back of the card. After opening a credit card, you generally need to set up a password for the card.

After accepting a credit card, a credit card merchant or bank must review the validity of the credit card and the identity of the cardholder.

The credit card must have at least the following information:

Front: name and logo of the issuing bank, credit card number (organization logo) and holographic anti-counterfeiting mark, name in English or Pinyin, date of activation (generally calculated to months), validity date (generally calculated to months), the latest issued card is equipped with a chip on the front, and the chip account and the card magnetic stripe account are two relatively independent accounts.

Back: Card magnetic stripe, cardholder signature field (signature required after activation), service hotline number, last four digits or all of the number (to prevent fraudulent use), credit card security code (on the back of the credit card) On the signature line, the three digits immediately following the last four digits are used for credit card activation, password management, television, telephone and online transactions, etc.).

The merchant and bank confirm that the credit card is valid, and contact the bank to request authorization according to the contract signed with the card issuer. Authorization is to further confirm the cardholder's identity and the amount that can be used. Authorization is generally made when the usage amount specified in the contract is exceeded.

After receiving the authorization notice, the card-issuing bank will issue an authorization instruction based on the deposit balance of the cardholder's deposit account and the bank's agreement to allow overdraft, and reply whether it agrees to conduct the transaction.

Credit cards are usually only used by the cardholder himself, and lending them to others is generally a violation of the use contract.

How to cancel an unactivated credit card? Cancellation process for an unactivated credit card

It is becoming easier and easier to apply for a credit card. Many people have actually applied for a credit card, but they cannot withstand the introduction of the sales staff. , temptation, even if there is no actual need to use the card, I applied. This results in many people not activating their cards after applying for them, leaving them idle. Warning, this is very dangerous, it is better to log out early. So, how to cancel an unactivated credit card? Let me introduce you to the cancellation process of an unactivated credit card.

First of all, if you apply for a credit card and have no need to use the card and have not activated the credit card, you must cancel it immediately, otherwise it will bring you hidden dangers.

Then, there are two ways to cancel credit cards provided by banks. Cancellation of unactivated credit cards is also applicable:

1. Bank counter cancellation process

Bring your personal valid If you have your ID and an inactivated credit card, go to any card-issuing bank branch and ask the staff to apply for cancellation of the credit card. Many banks do not need to go to the counter to go through the relevant procedures for canceling credit cards. There will be dedicated staff in the lobby to handle it for you. The staff will ask you to fill in a credit card cancellation application form.

2. Customer service phone cancellation process

Call the bank customer service phone directly, follow the voice prompts to select the process and operation, or directly press "0" to transfer to manual service, and ask the customer service staff that the cancellation is not activated. Credit card application. The customer service staff will ask you to verify your identity and will then accept your cancellation application.

How to cancel an unactivated credit card

The method to cancel an unactivated credit card is as follows:

1. Call the 24-hour customer service number on the credit card to apply for cancellation, and the customer service will confirm the identity. The card will be canceled for you later;

2. Go directly to the bank counter to handle the cancellation procedure, you need to bring your ID card and credit card;

3. Go to the bank ATM machine 45 days after applying for cancellation and insert it The credit card, and then check the status of the credit card;

4. If the cancellation is successful, the ATM machine will show that the card has expired; if the credit card can be used normally, be sure to contact the bank customer service in time and cancel the card again. .

In most cases, citizens who have full capacity for civil conduct (citizens over 18 years old in mainland China) and have certain direct financial resources can apply for a credit card from the card issuing bank. Sometimes, legal persons can also be applicants.

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature.

After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness. The content of the review mainly includes whether the content of the application form is true. The creditworthiness of the applying unit must be evaluated, and the relevant circumstances of the guarantor must also be reviewed for individuals.

Usually, banks will judge whether to issue a credit card to the applicant based on the application information and various aspects of the applicant's information and financial situation. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and processes reviewed by the card issuing bank are commercial secrets and are generally difficult for outsiders to understand. The standards of each card-issuing bank are also different. Therefore, the same materials may be issued with different credit limits and different types of credit cards in different banks. Some banks may even approve the application, while others may reject it. .

How to cancel an inactive credit card (debit card)?

There are two ways to cancel an unactivated credit card (credit card):

1. Hold your personal identity certificate and credit card (credit card) and go to the credit card (credit card) office. Apply for credit card (credit card) cancellation at the counter of the bank where the credit card is located;

2. Call the bank’s credit card (credit card) national unified customer service hotline, enter your personal ID information and bank card number and press Automatically log out via voice, or directly transfer to manual customer service to apply for manual logout.

Generally, the inactivation of a credit card (credit card) means that it will not incur unnecessary annual card fees, etc. if it is not used. However, some banks will deal with unactivated credit cards (credit cards). It is different. It depends on the regulations of each bank. If you apply for a credit card (debit card) and whether it is actually needed after activation, you may wish to cancel it as soon as possible to avoid unnecessary trouble for yourself in the future.

How to cancel an unactivated credit card

The cancellation process for an unactivated credit card is:

1. Bank counter cancellation process:

First hold the The cardholder must bring his or her valid ID and unactivated credit card to the nearby branch of the card-issuing bank and find a staff member to fill out a cancellation application form.

Then the staff will confirm the information and enter the data. After entering the information, the bank will inform you that cancellation has been arranged. Please check whether the cancellation is successful after 45 days.

2. Customer service phone cancellation process:

Call the bank customer service phone directly, follow the voice prompts to select the process and operation, or directly press "0" to transfer to manual service, and submit a cancellation application to the customer service staff . After providing the ID number and ID number as required, you can log out.

That’s it for the introduction on how to cancel an unactivated credit card.