The safest way for cardholders is to report the loss first and then cancel it, because the credit card articles of many banks stipulate that the losses before the loss of credit cards are borne by the cardholders, and the losses after the loss report takes effect are borne by the cardholders. If the cardholder is unwilling to pay the loss reporting fee and wants to cancel the credit card directly, he should also pay attention to the following three issues.
1, yes, you can confirm whether to close the account after 46 days. Credit card cancellation is generally handled through telephone banking, but telephone banking was not successful at that time. Generally, the cardholder should call the bank to confirm whether to cancel the account 46 days after returning the card, so as to avoid the bank failing to return the card for some reason, but the cardholder thinks that the card return is successful, which will cause unnecessary trouble in the future.
2. Pay off all debts in time. This debt includes not only the account debt, but also the annual fee. If we only pay attention to the former and ignore the latter, the cardholder's card may be in arrears after cancellation. Therefore, you must ask clearly when you cancel your card, and never leave a penny in debt.
3. Cut 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 pieces and throw it into different garbage dumps to prevent people with ulterior motives from stealing it.
Extended data
Matters needing attention in using credit card
Due to the convenience and rapidity of using credit cards, coupled with the rapid development of science and technology, the security problems faced by credit cards are becoming more and more serious, and major international credit card groups and global card-issuing financial institutions are facing severe challenges. The security problems of credit cards are mainly divided into the following five aspects:
Credit card: criminals or criminal groups use forged or invalid cards (expired/lost/invalid/damaged tapes, etc.). ) pretending to be a real card, directly deceiving merchants or card issuers.
Cardholder: improper card storage/handling (expired/tape-invalid credit cards are not destroyed, or they are not immediately invalid after being lost, etc. ), and personal identity information is inadvertently stolen or defrauded. In order to avoid such problems, citizens should not easily provide personal identification information, and it is best not to entrust others to handle credit cards.
Consumer merchants: the service personnel swindle the cardholder in the process of consumption, or steal his credit card information to other merchants for consumption. This situation can happen whether it is a physical business or a network virtual business.
Issuer: The computer system has been maliciously invaded, stealing the basic/transaction information of customers. There are also unscrupulous employees who steal from the house, or the evil inside the house.
Trading system and mechanism: as long as it is formulated or handled by human beings, human errors and omissions will inevitably occur; No matter how rigorous the trading mechanism is, with the world-class trading system from confirmation to settlement, it is still possible to be invaded, and the so-called "invasion" is actually divided into levels.
Baidu encyclopedia-credit card