If the credit card is no longer used, the user can choose to cancel the card or cancel the account. If a user has only one card in the name of a bank, he can cancel the account directly, because he can enjoy the treatment of a new user when he applies for a credit card next time. If the user has more than one credit card in the name of the bank, a single credit card can only handle the card refund business.

Users can call the bank customer service hotline directly to return the card without going to the bank counter in person. There is a risk period of 45 days after applying for cancellation, and it will not be successful until the 46 th day.

Extended data:

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.

The credit card stipulated by relevant laws in China refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc.

20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.

Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit.

Credit cards generally refer to credit cards.

From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).

The main features of credit cards:

① Credit card is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range;

② Credit cards have both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers;

Credit card is a high-tech product integrating financial business and computer technology.

Credit card can reduce the use of cash and currency;

⑤ Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;

⑥ Credit card can simplify the collection procedures and save social labor;

⑦ Credit cards can promote commodity sales and social demand.

What if I don't want the credit card I applied for?

If you don't get a credit card after the application, you can cancel the credit card application. Cardholders have this right. The applicant can call the credit card customer service center to cancel the credit card application.

You have a credit card, but you don't want it You can choose to cancel. You must go to the issuing bank to apply for card cancellation. It's no use just cutting or destroying cards.

The new credit card is useless. What if I don't want to use it?

If you don't want a new credit card, you can cancel it with the issuing bank. If the card is not overdrawn, you can apply for account cancellation at any time. When closing the account, you should bring your valid ID card and the original card. If it's not convenient for me to close the account, someone else can help you. The agent must hold the power of attorney written by the principal (himself) and bring the original valid identity certificate to handle the account cancellation business.

Credit card, also known as credit card. It is a non-cash transaction payment method and a simple credit service.

A credit card is a credit certificate issued by a commercial bank or a credit card company to eligible consumers. 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 cards are generally plastic cards with a special carrier, with a length of 85.60 mm, a width of 53.98 mm and a thickness of1mm. The name of the card issuer, the expiration date, the number and the name of the cardholder are printed on the front, and the chip, magnetic stripe and signature strip are printed on the back. Cardholders can use credit cards to shop, spend money and deposit and withdraw cash from banks.

Credit card cancellation:

Confirm the balance. Determine the remaining arrears and balances, accurate to the minute. If you really don't know, you can also go to the counter. If you have outstanding payment, you can't cancel it. In addition, if you have extra money, the bank will ask you to provide a savings card of your own bank and transfer the extra money to the savings card account.

It would be better if you have a savings card from this bank. If you don't, you don't need a special savings card. The extra part can be consumed by shopping or charging the phone bill. If it is not just right, you can simply spend a little more, and the amount owed will be repaid by Alipay or mobile banking according to the amount (for example, if the credit card is 25.6 yuan more, you can recharge your 30 yuan and then repay 4.4 yuan with the credit card).

Destroy the card and unbind the payment withholding agreement of the payment platform. When you cancel, the customer service will teach you how to cut off the credit card and remind you not to increase new consumption. At this time, we need to check the previous binding records on platforms such as Alipay, WeChat, Meituan, mobile phone automatic recharge or water and electricity withholding, and immediately cancel the binding to avoid new consumption;

Call customer service to confirm the result. Credit card cancellation period is generally 45 days. Time has passed, call the bank customer service to confirm whether the card is successfully returned. Friends who are afraid of forgetting can make a memo or set an alarm clock.

Cancelling a card does not mean canceling an account. If it is determined that it is not necessary, it is best to cancel the card and cancel the account at the same time. If you just return your card, you won't be able to enjoy the treatment and preferential treatment of new customers the next time you apply for a credit card from the same bank, and canceling your account can avoid this problem. Therefore, it is best to cancel the account corresponding to the card at the same time.

What if I don't want the credit card I applied for? You can cancel by these methods.

Many people are always hesitant to apply for a credit card. After applying, they always struggle whether it is necessary to apply for a card. Some people even don't want it after submitting the application, but also cancel the credit card they applied for. So, what if I don't want it after applying for a credit card? Let's have a look.

How can I cancel my credit card if I don't want it after I apply?

There is actually a way to get rid of the credit card application, but to clearly know the progress of the credit card application, I suggest that you can check the credit card approval status through the credit card official website and WeChat official account, and then take corresponding measures, as follows:

1, under review:

If you find that the credit card application progress is under review, you can use the mobile phone number reserved when you apply for the card, dial the 24-hour service hotline of the issuing bank, transfer to manual service, and ask customer service to cancel the credit card application, but whether it can be cancelled depends on the final result.

2. Approved:

This situation indicates that the card has been approved successfully and cannot be cancelled. If you really don't want a credit card, you can directly call the service hotline of the issuing bank and manually cancel the card after receiving it. Before you cancel your card, you should have a clear understanding of the accounting of the credit card. If the credit card is not opened, the fee will be deducted, and the accounts payable must be settled before the card can be cancelled.

3. Sign in person:

This situation only passed the preliminary examination and needs to be signed in person before the final exam. Usually, there is a time limit for credit card face-to-face signing, which is stipulated in the short message sent. If you don't want a credit card, you don't need to go to the interview. If you don't sign in person within the specified time, the system will automatically end the credit card application.

4. The review was rejected:

If the credit card is not approved, the application will automatically end. In this case, you don't need to cancel yourself.

The above is the introduction of "What should I do if I don't want to apply for credits". I hope it will help everyone. In short, if you don't want a credit card after application, you can check the progress of the next card and take different cancellation methods according to the card approval status.

What if I apply for a credit card and don't want it?

You can choose to cancel. Credit card cancellation is simple. You can call the 24-hour customer service phone on the back of the credit card and ask the customer service to cancel the credit card. Customer service will handle it for you after verifying your identity. Or bring your credit card and ID card directly to the bank outlet counter for the bank staff to cancel.

Two things must be done before cancellation. The first is to ensure that credit cards have no arrears and overpayments. If there is any arrears, all the arrears can be returned. If there is overpayment, it can be withdrawn by cash withdrawal or credit card. Secondly, use up the points in the credit card to avoid wasting the accumulated points. You can exchange points for gifts in the credit card mall or give them to others.

1. Does credit card cancellation affect credit?

Credit records will be generated during the use of credit cards, but whether the cancellation of credit cards will affect credit depends on the situation.

If you don't use your card illegally, repay it on time after consumption, and cancel your card without any debt and balance, it won't affect your credit, but if you just cancel your card, your cancelled credit card will be recorded in the credit information department; If your credit card is overdue and you cancel it after paying the arrears, this bad credit record will accompany you for life. In this case, it is recommended to continue to use the card, swipe the card frequently and spend more. After two years, when the new credit record covers the bad credit record, you can cancel the card.

2. Can the credit card be restored after cancellation?

There are two kinds of credit card cancellation: cancellation and card cancellation. If you only cancel the card and don't cancel the account, you can restore the cancelled card.

You go to the bank counter and ask the customer service to restore the credit card, and provide your ID card and some information registered when opening the card for verification. After confirmation, the staff will handle the credit card reactivation formalities for you in time. Generally, it can be restored on the same day, but your credit card is still ahead of schedule and has not been cut or destroyed.

3. How long can I reapply for my credit card after cancellation?

If you cancel a bank's credit card and want to re-apply, or cancel your old card and want to apply for another card, there is generally no time limit. Anyway, you can apply at any time as long as you are sure that your credit card has been successfully cancelled and there is no bad credit record, but Bian Xiao suggested that you apply again at intervals of more than half a year.

So much for the introduction of how to do without a credit card.