I. Status of bank cards
Credit card status includes normal, frozen, payment stopped, loss reported, card received, invalid, etc. If the bank credit card status is abnormal, it may be because the card is in the state of loss reporting, freezing and so on. Exception refers to card loss reporting, voiding, not enabled, etc. It can be revoked after reporting the loss. If the cardholder loses his credit card, he can apply for reporting the loss at a nearby ICBC outlet. Any branch of ICBC can apply for loss reporting without going to the card issuing branch. The application for loss reporting by outlets is a formal loss reporting. If you need to report the loss, please go to the peony card issuing department in the area where your credit card account is located. If it is frozen due to overdue repayment, please apply to the card issuer after returning the arrears, or you can call 95588 to turn the credit card into manual and ask for cancellation. Try not to overdue the repayment, otherwise the consequences will be very serious. Therefore, cardholders need to pay attention to their card habits and use cards reasonably and legally.
Second, some points for attention in the correct use of the card
1, handle credit cards through formal channels, and know the credit card treaty.
2. Return the credit card overdraft limit on time. Once overdue, the interest and penalty interest generated are often huge, even several times higher than the principal.
Never use a credit card with malicious overdraft, otherwise it will violate the criminal law and constitute a crime.
4. Once the credit card is stopped, it should be cancelled in time, otherwise it will continue to generate annual fees, resulting in bad records in the personal credit information system.
Three. Bank card cancellation process
1. I took my ID card and bank card to the bank to get the reservation number and queued for acceptance;
2. Explain to the service staff that you want to cancel the account, hand over the bank card to the bank staff, and fill out the account cancellation application form.
3. The cancellation of the bank card is completed.