Credit cards can't be cancelled on mobile phones, but you can call China Merchants Customer Service through mobile phones and cancel after settlement. Usually, after 45 days of calling customer service, the card will be permanently cancelled. In other words, most banks are not allowed to cancel credit cards on their mobile phones, but only allow users to call the credit card customer service hotline through their mobile phones or cancel at the counter.

Credit card cancellation process:

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

2. There will be a settlement period of 30 -45 days from the telephone application for cancellation to the formal cancellation. Never use a credit card again in the meantime.

3. 40 days after the cancellation, call the bank customer service 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 everywhere. Cut the magnetic stripe and discard it to avoid being picked up by criminals and causing losses to yourself.

Before canceling the credit card, make sure that the credit card has no balance, no arrears and no extra deposits. Because once a credit card has a balance, it cannot be cancelled.

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

1. Pay off all debts in time. This debt includes bill debt and annual fee. If there is still arrears in the card, forget it and cancel the card directly. After the interest is accrued, the amount reaches a certain amount, and the bank begins to "collect debts"!

2.45 days later, confirm whether to cancel the account. Credit card cancellation is usually handled through customer service, but it was not successful at that time. When the card is cancelled, the account will enter the pre-cancellation state, and it will take 45 working days to know whether the account has been cancelled successfully.

3. Cut off the magnetic stripe when the pin is stuck. If the card is complete, it may be used in some consumer places that only need the card number and do not need to check the information. The best way is to cut the magnetic stripe into several pieces and throw it into different garbage dumps to prevent future troubles!

According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.

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 standard for public services was 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.