There are generally two kinds of cancellation of credit cards, one is forced to cancel by the bank because of long-term overdue, and the other is that the cardholder applies to the bank for cancellation. In either case, it is necessary for us to confirm whether the credit card has been cancelled successfully. So how do you confirm it? There are several ways to check the current status of a credit card.
When a credit card is cancelled by a bank and the cardholder applies for cancellation, there are different inquiry methods. However, the latter will have a pre-cancellation period of 45 days, so it will not be confirmed until the 46th day after the application is filed. The main channels are as follows:
1, telephone confirmation
Call the credit card service hotline of the bank where the cancelled credit card belongs directly. There will be a phone on the back of the credit card, and then transfer it to the manual customer service for help. You may also need to enter the inquiry password of this ID card, so that it can be filled in when applying for this card. Customer service will make an inquiry after verifying the identity information, and then inform the result.
2. Confirmation of credit report
All cancelled credit cards will be reflected in the credit report, so checking the credit report can also be confirmed.
I have two channels to check the credit information. One is to log in to the central bank's official website Personal Credit Information Center to get a credit report, which usually comes out the next day, but this is a short version of credit information; One is to print a detailed version of the credit information at the local offline outlets or the counters of commercial banks designated by the People's Bank of China.
3. Counter confirmation
Bring your valid ID card directly to the counter of any branch of the issuing bank, and ask the staff to assist in the inquiry. It is best to pay attention to local bank branches, which may not be found elsewhere.
Finally, I would like to remind you that the premise of credit card cancellation is that there is no debt in the card and no money exceeding the limit. Only by meeting these requirements can the cancellation be successful.
How to check whether the credit card is cancelled?
There are many ways to check whether a credit card has been cancelled. Manually check the customer service phone number of the publisher. There is a customer service phone number on the credit card. Make a phone call and provide manual service according to the voice prompt, and you can know whether the card has been cancelled. If you need to check the counter, please bring your business card and ID card to the counter of a nearby branch.
1. Online banking inquiry, account login and related business inquiry, or the prompt card is invalid.
2. Through the personal credit report query, log in to the website of the personal credit information system, select the personal credit report on the page after logging in, and then enter the mobile phone verification code to submit. In general, after processing the credit report the next day, the extracted report verification code will be sent to the bound mobile phone. Re-enter the system the next day and enter the verification code. At this point, you can see the personal credit report. The cancelled credit card will be displayed on the personal credit report. What is not written is that it has not been cancelled. Generally speaking, it takes at least 50 days to apply for cancellation of credit card before it can be found in the system.
3. You can also directly check at the bank outlets or call the bank customer service phone to check whether the credit card has been cancelled successfully. Call the bank's credit card center to inquire about account cancellation, mainly to see if your card is suitable for account cancellation and whether there is a balance. Cancel the credit card by phone. After receiving the call, the bank will accept the user's application for cancellation of credit card account, and deduct the annual fee receivable from all the cards under his account, and the account balance will be zero or the customer will definitely give up the account balance. Go to the bank counter to officially cancel the credit card.
1. Cardholders must bring their ID cards and credit cards to be cancelled to the bank to fill out the card cancellation application form. You can apply for the card first, and then go through the corresponding cancellation procedures one month later, or you can make an appointment to cancel the card on the same day. After canceling the credit card, you can't activate it unless you are yourself. Credit card cancellation will take effect within one month or 45 days after registration. If users need the card within 3 months, they can reactivate it.
2. Bank credit card cancellation method is as follows: Telephone banking cancellation: All credit cards can be cancelled through telephone banking. Only when you can cancel your credit card by phone can you call the corresponding bank customer to cancel it according to the prompt input and information. Cancel the bank counter: bring your ID card and credit card to the corresponding bank business hall; Get a predetermined number from the bank and queue up; Fill in the business application form and fill in "Credit Card Cancellation" in the business column; After the phone call, give the application form, credit card and ID card to the bank staff; Sign to confirm that the credit card account has been closed.
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How to check whether the credit card (debit card) is cancelled?
There are several ways to check whether a credit card (debit card) is cancelled:
1. Cardholders can call the customer service hotline of the credit card (debit card) center of the card bank and choose whether to cancel their own credit card (debit card) through manual service consultation;
2. The cardholder goes to each branch of the issuing bank, brings his ID card, and asks the counter staff to help check whether the credit card (debit card) of the bank is cancelled;
3. The cardholder has opened the Bank's mobile banking or online banking, logged into the credit card (debit card) interface of mobile banking or online banking, and inquired whether the Bank's credit card (debit card) was cancelled.
How to check whether the credit card has been cancelled successfully?
There are several ways to determine whether the credit card has been successfully cancelled:
1, call the bank customer service to confirm. After applying for account cancellation, you should pay attention to whether you have paid off the money within 45 days. If you have, you should repay it in time, and then call the bank customer service to ask if the account cancellation has been successful.
2. Ask the bank to send the cancellation fax or mail the cancellation certificate.
With credit cards, young people can buy all kinds of goods according to their own needs. Over time, it will lead to excessive consumption of these credit card holders. After the credit card is overdrawn, the credit card holder needs to repay a lot of expenses. In order to relieve their financial pressure, they will choose to cancel their credit cards after paying off all their debts. The specific process of calling card cancellation is as follows:
1, take out your credit card, then get through the hotline at the back and call the bank credit card center to ask about cancellation, mainly depending on whether your card is suitable for cancellation and whether there is a balance.
2. Cancel the credit card by phone. After receiving the call, the bank will accept the user's application to cancel the credit card, and deduct the annual fee receivable from all the cards under his account, and the account balance will be zero or the customer will definitely give up the remaining deposit in the account.
3. Go to the bank counter to officially cancel the credit card. 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. You can collect the card first, and then do the corresponding cancellation procedures one month later, but you can also make an appointment to cancel the account directly on the day of card cancellation.
In addition, I would like to remind you that credit card cancellation is divided into card cancellation and account cancellation. It is recommended to cancel the account after returning the card, otherwise there may be some problems in re-applying for the credit card. If there are still points in the credit card to cancel, it is recommended to redeem them all before canceling the card; After submitting the application for card cancellation, the cardholder shall not use the credit card again before it takes effect, otherwise the application for card cancellation will be automatically cancelled; After formal cancellation, cut it along the magnetic stripe of the credit card and discard it to prevent theft.
How to check whether the credit card has been cancelled?
1. Go to the corresponding bank card business department to check whether the credit card under this name has been cancelled.
You can call the corresponding bank to check whether the credit card has been cancelled.
Extended data:
The earliest credit card appeared at the end of 19. In the 1980s, the British clothing industry developed the so-called credit card, followed by the tourism and business sectors. However, at that time, the card could only be used for short-term commercial credit, and the money had to be paid back as needed. There was no long-term default and no credit line. In 1950s, McNamara, an American Manhattan credit expert, dined in a restaurant. Because he didn't bring enough money, he had to ask his wife to send money. This made him feel embarrassed, so he organized DinersClub (English: Diners Club). Members can bring their dining charge cards to 27 designated restaurants for consumption without paying cash. This is the earliest credit card. Franklin National Bank was the first bank to issue credit cards, and other American banks followed suit.
The word "credit card" originally refers to this financial product introduced in this post, but before it was popular in China, there was a savings card without a credit card or even any credit card function. So the real credit card can only be called "credit card". A real credit card has the following characteristics: it is not allowed to deposit cash in advance, it can be repaid after consumption, it can enjoy an interest-free repayment period, it can be repaid in installments (the minimum repayment amount), and it can join international credit card organizations such as VISA, MASTER and JCB for global use.
China's credit card market is still one of the fastest growing product lines in China's personal financial services market. Although the economic benefits of the industry are full of challenges, in the next 65,438+00 years, the average annual growth rate of credit card issuance in China will remain at around 65,438+04%, and the profitability will also be improved. It is predicted that the cumulative number of credit cards issued in China will exceed 800 million in 2020.
This is the end of the introduction on how to know whether your credit card has been cancelled. I wonder if you found the information you need from it?