What should I do if I stop using China Bank's credit card?
China Bank's credit card activities are rich and colorful, so it is recommended to keep it. If it is really necessary to cancel, you can call the credit card customer service hotline for pre-cancellation. After the pre-cancellation, the card can no longer be consumed, but repayment is supported.
the above contents are for your reference. please refer to the actual business regulations.
How to stop using a credit card
If you don't want to use a credit card, the customer can directly call the customer service hotline of the issuing bank to apply for cancellation of the card. Before applying for the cancellation of the card, it is best for the customer to confirm whether the card has outstanding bills or excessive overpayments.
if there is, the customer can't cancel the card successfully if he applies for cancellation. Because the bank will ask customers to pay off the outstanding bills and take out the overpayment before they can cancel the card.
it is precisely because of this that the bank will set aside 45 days to ensure that the credit card has no capital flow after the customer applies for cancellation, and then it will be officially cancelled. In other words, the card will not be cancelled until the 46th day after the customer applies for cancellation, instead of being cancelled immediately upon application.
if the customer has applied for cancellation, it is best to call the bank after 45 days to check the card status and see if the card has been cancelled successfully. And if the application is for the cancellation of the whole household, the customer will go to the bank to apply for a card six months after the successful cancellation, which is a new customer.
the earliest credit cards appeared at the end of 19th century. In the 198s, the British clothing industry developed the so-called credit card, and the tourism and business sectors also followed this trend. However, at that time, the card could only be used for short-term commercial credit, and the money still had to be paid as needed, and there was no long-term default and no credit line. In 195s, 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 very embarrassed, so he organized DinersClub (English: Diners Club). Members can charge their expenses by bringing a dining charge card to 27 designated restaurants 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.
It is said that one day, Frank McNamara, an American businessman, entertained guests at a restaurant in new york. After eating, he found that he had forgotten his wallet with him, so he was deeply embarrassed and had to call his wife to bring cash to the restaurant to settle the bill. So McNamara came up with the idea of creating a credit card company. In the spring of 195, McNamara and his good friend Schneider jointly invested 1, US dollars to establish DinersClub, the predecessor of Diners Credit Card Company, in new york. Diners' Club provides members with a card that can prove their identity and ability to pay. With this card, members can keep accounts and spend money. This kind of credit card that does not need to be handled by a bank is still a commercial credit card.
in p>1952, Franklin national bank in California, USA, as a financial institution, first issued a bank credit card.
in p>1959, American bank of America issued the American bank card in California. Since then, many banks have joined the ranks of card-issuing banks. In the 196s, bank credit cards were quickly welcomed by all walks of life and developed rapidly. Credit cards became popular not only in the United States, but also in Britain, Japan, Canada and European countries. Since 197s, Hongkong, Taiwan Province, Singapore, Malaysian and other developing countries and regions have also started to issue credit cards.
The word "credit card" was originally intended to refer to this financial product introduced in this post, but savings cards without credit cards or even any credit card function were popular in China. Therefore, the real credit card can only be called "credit card". Real credit cards have the following characteristics: cash is not allowed to be pre-deposited, consumption is followed by repayment, interest-free payment period can be enjoyed, repayment can be made by installments (with minimum repayment amount), and international credit card organizations such as VISA, MASTER and JCB can be joined for global use.
how to make it impossible for a person to apply for a credit card?
please don't make it impossible for a person to apply for a credit card, because this is an illegal act and you have to bear legal responsibility.
Let me tell you what kind of people can't get a credit card:
First, they are too old. Most banks issue credit cards at the age of 6. If you get a credit card at the age of 59, you may not be able to do it.
Second, the age is too small. Although the minimum age for banks is 18, it is actually very difficult for ordinary people under 2 to get off the card.
third, bad credit information, needless to say, this kind of credit card, as long as it is a formal loan, most banks will not grant it to you.
Fourth, if the debt is too high, the probability of getting a card is very small, because the bank will comprehensively evaluate your situation. If your debt exceeds a certain value of the bank, it may cause risks to the bank, and the bank will refuse you.
Fifth, people with extremely unstable jobs will not get a card, because unstable jobs mean unstable income, and unstable income may make it impossible to pay back the money on time, so why give you a card?
Sixth, in some risky industries, banks are also reluctant to issue credit cards. When I was a credit card salesman, soldiers would not give credit cards, because it would be very troublesome to collect them in case of overdue in this industry.
Seventh, it is only in recent years that people who hold too many lines are strictly enforced. No matter how good your qualifications are and how low your debts are, when your lines exceed a certain number, other banks will not give you another card.
Eighth, people who spend a lot of money on credit information are neither black nor overdue, but they have been inquired about their credit information by countless banks or financial institutions in a short time. It will give the bank a feeling that this person is short of money and crazy. Don't lend him money, it is very likely that he will not get it back.
According to what I know, that's about it. If you still know something, please add it.
How to stop using the credit card
Hello, you can cancel the credit card in the following ways:
1. Cancel the card by phone. Many banks can cancel the credit card by just making a phone call. First, before canceling the credit card, make sure that there is no debt in the account, and there is no balance at the same time. Then, call the credit card customer service to switch to manual service and directly apply to the manual customer service for cancellation of the credit card.
2. pin cards at outlets. Some banks also need to bring their ID cards and credit cards to the bank before they can cancel their cards. They need to fill out an application for account cancellation and will call you a few days later to confirm.
3. To cancel the bank counter, you need to bring necessary documents, such as ID card and credit card, just like to cancel the card at the outlet. If the credit card owes money, you need to bring cash at the same time.
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Let's stop talking about how to stop the credit card.