How to cancel the credit card of Zheshang Bank, the card has not been opened yet

Hello, you can cancel the credit card in the following ways:

1. Cancel the card by phone. Credit cards from many banks can be canceled with just a phone call. Before canceling the credit card, you must first confirm that there is no debt in the account and there is no balance. Then call the credit card customer service number and transfer to manual service. Apply directly to the manual customer service to cancel the credit card. .

2. Cancel the card at the outlet. Some banks also require you to bring your ID card and credit card to the bank to cancel the card. You need to fill out an account cancellation application and will call you to confirm a few days later.

3. Cancellation at the bank counter is the same as canceling a card at an outlet. You need to bring the necessary documents, such as ID card and credit card. If you owe money on the credit card, you need to bring cash at the same time.

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How to cancel a credit card account

You can cancel a credit card account through the following methods:

1. You can go to the corresponding branch bank with your ID card and related credit card Sign out at the counter.

2. Call the bank customer service hotline directly, and then transfer to manual service, and ask the manual customer service to apply for cancellation of the credit card.

3. You can upload your ID card, credit card and other information to the official online banking, fill in the account cancellation application and submit it.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

There are two ways to cancel a credit card

There are actually two ways to cancel a credit card: card cancellation and account cancellation.

Canceling a card means canceling a single credit card in one's name, while canceling an account means canceling all credit cards in one's name in a certain bank.

For example, we have three different types of credit cards in a bank. If we cancel the card, only one credit card will be canceled. If we cancel the account, all three credit cards will be canceled. Log out.

If we are unwilling to keep a credit card from a certain bank, we should choose to close the account instead of canceling the card.

Methods to cancel a credit card

There are generally two ways to cancel a credit card: customer service phone cancellation and bank branch cancellation.

Customer Service Telephone Cancellation

We can call the bank's credit card customer service telephone number to enter the manual service and inform the manual that we need to cancel the credit card. Under normal circumstances, the manual customer service will try to retain us. After we explicitly refuse, the customer service will help us handle the cancellation business.

Cancellation at a bank branch

We can go to a bank branch to handle the cancellation business with our ID card and credit card. We can also complete the cancellation after filling in the corresponding procedures.

Notes on canceling credit cards

1. Before canceling, check whether the card has available points, activities that can be participated in, benefits that have not been enjoyed, etc. In order to avoid waste, it is best to It is better to handle the cancellation business after full use.

2. Pay off all credit card debts and confirm that there are no other installment transactions.

3. When canceling, the bank customer service will try their best to retain you, including providing lifetime annual fee-free services, giving away points, etc., so be mentally prepared.

4. After successfully canceling the credit card, destroy the card in a timely manner.

5. Account cancellation may affect your future application for a credit card from this bank.

Can Zheshang Bank cancel the card at any branch?

Zheshang Bank cannot cancel the card at any branch. To cancel the branch, you need to go to Zheshang Bank with your personal ID card and credit card. If the branch cancels the credit card, it will directly notify the staff that the credit card needs to be canceled. It should be noted that before canceling a credit card, you need to ensure that the bill has been paid in full and there is no overpayment, otherwise the credit card cannot be canceled. In addition, there is a 45-day waiting period after the bank accepts the credit card cancellation application. During this period, no new bills or additional overpayments can be incurred or the cancellation will fail. Investment involves risks, please make decisions with caution.

How to cancel Zheshang Bank’s credit card?

Hello, you can cancel your credit card through the bank’s customer service phone number. Generally speaking, the card cancellation process is as follows:

1.

Call the bank's credit card center and ask about cancellation related matters. It mainly depends on whether your card is suitable for cancellation, whether there is a balance, etc.;

2.

Use the phone to cancel the credit card. After receiving the call, the bank will accept the user's application for canceling the credit card and deduct the annual fees payable for all cards under the account. The account balance is zero or the customer explicitly gives up the remaining deposit in the account.

3.

Go to the bank counter to officially cancel the credit card. The cardholder must bring his or her ID card and the credit card to be canceled to the bank to fill out a card cancellation application form. The card may be collected first and the corresponding card cancellation procedures will be done one month later. However, you can also directly make an appointment to cancel the account on the day of card cancellation.

At the same time, please pay attention to the following matters:

1.

After canceling the credit card, please cut the magnetic strip of the card and dispose of it properly. After logging out, you can still log in to online banking to view your account information, and the original card can still receive repayments or refunds. Please pay attention to whether the credit card debt has been paid off.

2.

If you want to resume the use of your credit card later, you can contact the customer service hotline to apply. If you have other credit cards that have not been canceled in the bank, canceling some cards will not affect the use of other credit cards that have not been cancelled.

3.

The above are the instructions for canceling credit cards. However, it is still recommended that you keep your credit card for future use.

Zheshang Credit Card can stop payment and cancel the card

Yes.

You can go to the bank to cancel your account. Zheshang Bank Credit Card has all the basic functions of a credit card, such as consumption, cash deposits and withdrawals, and transfer settlement. Zheshang Bank will grant cardholders a certain credit limit, and cardholders can make overdraft purchases within this limit.

This ends the introduction on how to cancel a Zheshang credit card account and whether it is necessary to go to the bank where the Zheshang Bank card is cancelled. Did you find the information you need?