How to cancel a credit card?

The main ways to cancel credit cards are:

1. Cancellation at the card-issuing bank outlet:

Cardholders can bring their personal ID cards and credit cards to the card-issuing bank offline. Go to the counter of the business hall outlet to apply for cancellation of your credit card and go through the cancellation procedures with the help of the staff.

2. Customer service phone cancellation:

Card holders can directly call the customer service hotline of the credit card center of the issuing bank. After answering the call, follow the phone voice prompts to transfer to manual service and report to work The employee applies to cancel the credit card and waits for the staff to verify the personal identity before canceling the credit card.

3. Go through bank card cancellation procedures over the counter at bank branches: All major banks have credit card cancellation windows, so bring your relevant personal documents, such as ID card and credit card. If you owe money on a credit card, bring cash and pay off the debt;

4. Cancel the credit card through official online banking: All major banks in China have online banks where you can submit and fill in your ID card and credit card data. To apply for account cancellation, submit the application and wait for the bank to call you to confirm;

5. Cancel the credit card through the official credit card customer service phone: Dial the official credit card service hotline, transfer to manual service, and ask the manual customer service to apply for cancellation of the credit card. Before making a call, be careful not to have any debt or balance on your credit card, otherwise you will not be able to cancel the account;

6. Cancel credit card through the bank’s official official account or the credit card’s official official account: all major banks in China have There is an official official account. As long as you bind the card and find the credit card cancellation, you can cancel the credit card on the official account;

7. Cancel the credit card through the bank's official APP: major banks include credit card services The center may have a personal official website APP, and you can cancel your credit card directly on it.

How to cancel a credit card when I no longer use it?

1. To cancel your credit card, you can call the customer service hotline.

If you really want to cancel the card quickly, you can directly dial the customer service number with your mobile phone. They are online 24 hours a day. When calling, you need to inform customer service of your specific situation and tell them that you want to cancel the card. Then, just follow their instructions step by step.

2. The prerequisite for online manual customer service to cancel a credit card is that no debt is allowed on the credit card. The debt must be paid off in full before canceling the credit card in order to successfully cancel the credit card. Otherwise, even if you call the customer service number and inform them of the specific situation, they will not be able to help you cancel your credit card.

3. Furthermore, if you want to successfully cancel the card through the manual customer service phone, the credit card must be with you. Because customer service staff must ensure that the account environment is safe.

4. There is another common way to cancel a credit card, which is to go to the bank counter to cancel it.

This method can be implemented when you are not busy at work. You only need to go to the bank counter, and then explain the detailed situation, and the bank counter staff will help you handle it.

5. It is relatively straightforward to go to the bank counter to handle the credit card cancellation business. It saves you on the other end of the phone and the online customer service on the other end of the phone from being confused and unclear, and saves a lot of trouble. Necessary trouble.

6. 45 days after you successfully handle the credit card cancellation business, if there are no arrears or excess deposits, then your credit card account will be truly cancelled. There is no need to go through any relevant procedures for this cancellation.

Extended information:

Credit card cancellation status:

Creating a credit card account is something you must do if you no longer intend to use the credit card. If you do not cancel the account, Banks will charge annual credit card fees annually. If the card is not overdrawn, you can apply to cancel the account at any time.

If the card has not expired, you need to apply first and go to the bank to cancel the account after a certain number of days; if the card has expired and the account balance is zero, you can go directly to the designated bank outlet to cancel the account. Account procedures.

When canceling an account, you should bring the original valid identity document and card. If it is inconvenient for you to go through the account cancellation procedures, someone else can do it for you. The agent must hold a power of attorney written by the principal (in person) and bring the original valid identity document to handle the account cancellation business.

If your card has not expired when canceling a credit card account, some banks stipulate that you need to go to a designated outlet to handle the card collection business, and then go through the formal account cancellation procedures after a certain period of time (up to 30 days) . This is mainly because if the cardholder has made a manual card pressing transaction before canceling the account, the cardholder will have already canceled the account before the merchant has submitted the card pressing form to the bank for entry into the account, and the bank will not be liquidated normally;

On the other hand, if the cardholder consumes or withdraws cash overseas, it may take several days to clear the account. If the account is closed immediately, it will also affect the bank's normal liquidation.