Credit cards can be canceled as long as all outstanding balances are paid. Many banks have relevant regulations for credit cards. When the cardholder reaches a certain number of purchases using the credit card in the current year, the bank will waive the annual fee for the credit card in the following year. If the cardholder no longer uses the card and does not pay the annual fee for a long time, it will lead to arrears, interest and late payment fees, and in severe cases, a bad personal credit record, so credit cards that have not been used for a long time will still have to be removed. Logout.

Credit card cancellation method

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1. Telephone banking cancellation: Users can call the corresponding bank hotline and explain the specific situation to the customer service staff who answered the phone, and then Carry out the credit card cancellation operation according to the other party's prompts;

2. Cancellation at the bank counter: The user needs to bring relevant documents to the counter of the bank branch where the credit card needs to be canceled, explain the specific situation to the bank staff, and fill out the relevant application After receiving the information, wait for the staff to assist in canceling the credit card.

It should be noted that if the credit card is lost, the cardholder first needs to apply for a new credit card and then cancel the account. A card fee is required to replace a card, and the cardholder must also withdraw all the balance on the card to ensure that there is no outstanding balance on the card to be canceled

Credit cards can be canceled, but they need to meet the credit card cancellation conditions:

1. Whether the debt has been paid off

When canceling a credit card, check whether the debt has been paid off. Before canceling, you generally need to check whether there is any debt in the credit card, but in some cases If you can't see the bill, it's easy for people to mistakenly think that the balance has been paid off.

2. Whether the fees are paid in full

Whether other fees are paid. Before canceling the credit card, first confirm the annual fee reduction and exemption, followed by management fees, such as SMS notification fees. Some banks do not Deduct early, but deduct last. During the intervening time, it will not be reflected on your credit card statement.

3. Whether to confirm after cancellation

After 45 days of canceling the credit card, check with the bank again to confirm whether the cancellation is successful. Generally, the credit card cancellation cycle of banks is about 45 days.

How to cancel credit card:

1. Cancellation through telephone banking: All credit cards can be canceled through telephone banking. Only when the credit card can be canceled can it be canceled by phone. Call the corresponding bank account and enter the card number and information according to the prompts to cancel the account.

2. Cancellation at the bank counter:

(1) Bring valid documents, such as ID card and credit card.

(2) Go to the bank to get the reservation number and queue up

(3) Explain to the service staff that you want to cancel your account, give your credit card to the bank staff, and fill out the relevant application.

(4) Credit card account cancellation is completed.