Credit cards you don't want to use can be cancelled. There are two usual cancellation methods, one is to cancel the card directly, and the other is to cancel the account. Credit card cancellation refers to the cancellation of a credit card in your own name. For example, if you have both a CMB credit card and a CITIC Bank credit card and want to cancel CITIC's credit card, but keep CMB's card, you can cancel it directly at CITIC Bank. If you want to close your account at the same time, you can go to different banks to close your account. After the account is cancelled, all credit cards in your own name will be cancelled.
Taking CCB's credit card account cancellation as an example, the relevant operation process is as follows: First, the cardholder needs to cancel the account with customer service Chen Qing and fill in the corresponding application for credit card account cancellation. Customer service can cancel the card after verifying the identity information of the cardholder. However, if the credit card has arrears, including annual fees and handling fees, you need to pay off the corresponding arrears before you can cancel the card.
At present, CCB credit card users can also directly call the CCB credit card hotline (to manual) or call 95533 (to credit card customer service), and then directly apply to customer service for card cancellation. And provide your own relevant identity information so that customer service can check the information.
How to stop using credit cards
Bring your ID card and credit card to the issuing bank to cancel the credit card business, or call the issuing bank's credit card center to cancel the credit card business. Credit cards don't cancel automatically. If you need to cancel the credit card in the application or cancel the card that has been issued, you can call the credit card hotline to transfer to manual service. If the credit card is successfully cancelled, there will usually be a SMS notification. You can check whether the cancellation is successful and the annual fee after cancellation through the credit card telephone customer service center.
Credit card cancellation conditions: you can only cancel if you have no arrears. If the cardholder does not meet the conditions for cancellation of the annual fee, the issuing bank will charge the annual fee according to the number of months used by the cardholder. Cardholders can continue to use the card and cancel it after reaching the annual fee reduction standard. If the cardholder decides not to use the credit card after full consideration, he must be firm when going to the card issuing marketing account. The staff will definitely explain the benefits of credit cards to cardholders and let them continue to use them. The cardholder should be firm when the staff lobby, otherwise the cardholder may not be able to cancel the credit card.
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 in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) 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, and there is no need to pay cash when spending, and repayment is made on the billing day.
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). On May 25th, 2002/KLOC-0, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.
How to disable credit cards?
You can handle it by phone or stop using it in the business hall.
Cancel the bank credit card by phone:
(1) Users who meet the requirements for telephone account cancellation can apply to the bank for account cancellation by telephone.
(2) After receiving the phone call, the bank accepts the user's application for canceling the credit card, and after deducting the annual fee receivable from all the cards under its account, the account balance is zero or the customer explicitly gives up the remaining deposit in the account.
I. Precautions for canceling credit cards by telephone:
(1) The main card of a credit card must be cancelled by the cardholder of the main card, and the secondary card can be cancelled by the cardholder of the main card or the cardholder of the secondary card.
(2) If a secondary card is hung under the account, the user will cancel the secondary card after canceling the credit card.
(3) When handling a credit card, the user who paid the deposit should first go to the card issuer's outlet to cancel the pledge, and then cancel the credit card.
(4) If a user conducts a deposit transaction within 30 days from account cancellation to formal account cancellation, he/she must bring his/her ID card when handling the card to the card-issuing business outlet for account cancellation.
(5) After the credit card is successfully cancelled, the user needs to destroy the unused credit card by himself. Destruction methods include cutting corners, punching holes and other ways to destroy the magnetic stripe.
2. Credit card:
Credit cards are also called debit cards. It is a non-cash transaction payment method and a simple credit service. It is issued by banks to individuals and units, so that they can shop, spend and deposit and withdraw cash from banks. The form is a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature on the back. Credit cards are issued to cardholders by banks or credit card companies according to the credit and financial resources of users. Cardholders don't need to pay cash when using credit cards, and the bills will be returned when they arrive.
2065438+On April 5, 2006, the central bank issued the Notice of the People's Bank of China on matters related to credit card business, canceling the late payment fee for credit cards, introducing liquidated damages, and prohibiting the collection of over-limit fees. The new regulations came into effect on April 20, 2007.
Credit card is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm and a thickness of 65,438+0 mm, which are issued to cardholders by banks or credit card companies according to the credit and financial situation of users.
Cardholders do not need to pay cash for credit card consumption, and will make repayment on the settlement date. Except for some credit cards combined with financial cards, credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct money from users' accounts.
How to stop the credit card?
Credit card application for cancellation can be handled by telephone or in the business hall.
Cancel the bank credit card by phone:
(1) The main card of a credit card must be cancelled by the cardholder of the main card, and the secondary card can be cancelled by the cardholder of the main card or the cardholder of the secondary card.
(2) If a secondary card is hung under the account, the user will cancel the secondary card after canceling the credit card.
(3) When handling a credit card, the user who paid the deposit should first go to the card issuer's outlet to cancel the pledge, and then cancel the credit card.
(4) If a user conducts a deposit transaction within 30 days from account cancellation to formal account cancellation, he/she must bring his/her ID card when handling the card to the card-issuing business outlet for account cancellation.
(5) After the credit card is successfully cancelled, the user needs to destroy the unused credit card by himself. Destruction methods include cutting corners, punching holes and other ways to destroy the magnetic stripe.
Deactivation of bank outlets: you need to bring your ID card and credit card to a nearby bank outlet to cancel your credit card.
How to stop the credit card
Credit card cancellation means that the credit card is cancelled. There are two cancellation methods:
1. Call credit card customer service to cancel. The credit card of China Merchants Bank can be cancelled by calling the credit card customer service hotline at 400-820-5555, but you will be asked to provide some supporting information when canceling, such as ID number, office phone number at the time of application, company name at the time of application, home phone number and other information you have registered before.
After checking your information and confirming that it is correct, the bank will say to you, "If you cancel your card successfully, please destroy it with scissors or other tools." At this time, if you don't destroy the card according to his operation, you will naturally get the custody right of the card.
2. Cancellation at China Merchants Bank outlets, with my ID card, cancellation at the opening bank.
It should be noted that credit cards will not be automatically cancelled.
This concludes the introduction of how to stop payment by credit card and how to stop payment by bill. I wonder if you have found the information you need?