How to cancel a credit card if you don't want to use it

Cancellation method for a credit card if you don't want to use it:

1. Cancellation by telephone banking. Most credit cards can be cancelled by telephone banking. Call the credit card service hotline 4825555 (mobile phone call) or 8825555 (fixed line call only), enter your personal information and press "9" to transfer to the manual service. Cancel the credit card in the application: If you need to cancel the credit card application process, or have any objection to the application card, please call the service hotline for further confirmation (online operation cannot be cancelled).

2. cancel the credit card at the relevant bank counter. The cardholder must bring his ID card and the credit card to be cancelled to the bank to fill out the card cancellation application form.

Handling a credit card has the following advantages:

1. Benefits of supplementary card: The supplementary card is the supplementary card of the main credit card and is specially used by the cardholder's family. The supplementary card * * * enjoys the credit line of the main card, and all the arrears of consumption expenses of the supplementary card can be directly repaid by the main card. For children studying in different places, parents can attach cards to their children, and their financial expenses can be mastered through card management.

2. Benefits of points: In order to encourage cardholders to spend more by swiping their cards, the bank has set up points service for swiping cards. The points obtained can be exchanged for exquisite gifts, including daily necessities, household appliances, computer accessories, etc., and most banks have cooperation with airlines, and the points can also be exchanged for air miles.

3. Advantages of consumption abroad: There are dual-currency cards and single-currency cards. Dual currency means supporting domestic consumption as well as foreign consumption; Single currency refers to a card that supports domestic consumption or foreign consumption, and chooses UnionPay logo or foreign currency logo when applying. Cards that support foreign currency consumption can be directly swiped when traveling abroad, and repayment can be directly made in RMB.

4. Credit benefits: If you don't have a credit card and haven't borrowed from a bank, then you are a white credit account. At present, in financial and economic activities, it is beneficial to have a good credit record. For example, it is much easier for people with credit records to approve loans to buy houses and cars than for white credit households.

however, overdue credit card repayment will affect credit reporting. No matter whether you forget to pay back or deliberately fail to pay back, as long as it is uploaded to the credit information center after the deadline, this bad credit information record will be kept for 2-5 years. In these 2-5 years, if you want to buy a house or a car, it will be affected by bad credit records. In most cases, the loan approval will be rejected.

how to cancel a credit card?

If you want to cancel your credit card, the cardholder can apply for cancellation in the following two ways:

1. Counter cancellation: Credit card users can bring their valid identity documents and credit cards to the branch counter of the issuing bank to apply for cancellation of their credit cards, and then the staff will help us cancel our credit cards.

2. Telephone cancellation: If you don't want to use the credit card, the cardholder can directly call the customer service hotline on the card face of the credit card, and then switch to manual service according to the voice prompt, and then enter the information such as ID number and credit for identity verification, and then you can apply for cancellation of the credit card. When applying to the manual customer service for canceling the credit card, the customer service may persuade us to continue to use the credit card. If we really don't have the need to continue using it, then be firm.

note, whether you choose to apply for cancellation at the counter of a bank outlet or call the customer service hotline, when you apply for cancellation of your credit card, you need to pay off the credit card debt in advance, and make sure that there is no balance in your credit card account, so that you can cancel your credit card. Otherwise, you can't cancel your credit card regardless of the balance or arrears in your account.

Finally, I would like to remind you that under normal circumstances, the period of card cancellation is 45 days, and the bank will cancel the credit card for the user only after confirming that the cardholder has not generated a new bill within 45 days. Remember to call the customer service hotline of the bank 45 days after applying for cancellation of the credit card, and it is recommended to completely destroy the credit card with scissors after confirming that the cancellation is successful. If you don't want to cancel the credit card within 45 days, you can apply for cancellation.

if the credit card holder has overdue behavior in the process of using the credit card, it is generally not recommended that you apply for cancellation of the credit card after paying off the debt. The correct way is to continue to use the credit card and keep a good repayment record, so that you can use a good record to cancel the previous overdue bad.

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How to cancel the credit card?

credit card cancellation process:

1. Call the bank's customer service phone to apply for cancellation of the credit card. Note that at this time, the bank customer service will generally retain you. If you decide to cancel the card, don't listen to him "fool" and insist on canceling it.

2. There will be a 3 -45-day settlement period from the telephone application for cancellation to the official cancellation. Never use credit card again during this period.

3. 4 days after cancellation, call the customer service of the bank to confirm whether the cancellation is successful, so as to avoid leaving a bad record for yourself because of the unsuccessful cancellation for special reasons.

4. Don't throw away the cancelled credit card anywhere. Cut the magnetic stripe before throwing it away, so as to avoid being picked up by criminals and causing losses to yourself.

before canceling the credit card, be sure to ensure that there is no balance, no debt or extra deposit in the credit card. Because once the credit card has a balance, it cannot be cancelled.

Extended information:

There are several points to note when canceling the credit card:

1. Pay off all debts in time. This arrears includes bill arrears and annual fees. If there is still arrears in the card, the card will be directly cancelled regardless. After the interest is accrued, if the amount reaches a certain amount, the bank will start to "collect debts"!

confirm whether to close the account after 2 or 45 days. Credit card cancellation is usually handled through customer service, but it is not successful at that time. When the card is cancelled, the account will enter the pre-cancellation status, and it will take 45 working days to know whether the account is successfully cancelled.

3. Cut the magnetic stripe when you pin the card. If the card is complete, it may still be used in some consumer places that only need to check the information. The best way is to cut the magnetic stripe into several pieces and throw them in different garbage dumps to prevent future troubles!