How to cancel a credit card when it is no longer in use

If the user no longer uses the credit card, there are two ways to cancel: 1. Call the customer service hotline to cancel. We can cancel our credit card by calling the 24-hour hotline on the credit card. Of course, when we call to cancel the card, we must pay off the previous balance on the credit card.

2. Go to the bank counter to cancel the card. We can hold our own ID card and credit card and go to the local bank to cancel it. When canceling, be sure not to have arrears or excess deposits, otherwise the cancellation will not be possible.

Notes on credit card cancellation: (1) When canceling a credit card, while paying off the debt, you also need to reach the number of card swipes specified by the bank that year. This is to prevent the annual fee from being deducted without our knowledge during the process of canceling the credit card, resulting in credit card debt.

(2) When we apply for credit card cancellation, there will be a settlement period of about 45 days. During this period, users must not swipe their cards for consumption. It is enough for us to guarantee that there is no outstanding debt. Because if you swipe the card again during the settlement period, the card cancellation may fail.

What to do if the credit card is no longer used

The credit card is no longer used: For unopened credit cards, even if you do not plan to activate the card, you must cancel it, otherwise you will still be charged an annual fee every year Yes, it is recommended to cancel the credit card within one month after the card is issued, and no later than 12 months. Generally, bank counters do not provide credit card account cancellation services. It is not ruled out that some bank counters can provide such services. However, most banks require cardholders to call the bank's credit card center customer service to apply for credit card cancellation over the phone. If you no longer want to use your credit card, you must cancel it, remember! Otherwise, the bank will continue to charge annual fees and record the annual fees as overdue year by year, which will not only cause interest and late payment fees, but also affect the holder's personal credit!

Go to the bank counter to apply for credit card cancellation. The counter staff will conduct a comprehensive check on all interest charges on the canceled credit card;

Confirm at the bank that there is no outstanding balance including annual fees. After that, you need to fill in the relevant application form and submit the cancellation application through the counter system after being authorized by the authorized person;

4 At this time, the credit card information enters the pre-cancellation state, and the bank will set up a system for canceling the credit card account. There is a one-month "regret period". If the customer does not apply for reinstatement within one month, the system will automatically cancel the credit card officially. At this time, the customer does not need to go to the counter to handle the procedures. 1. If a canceled cardholder no longer wants to use a certain bank's credit card, he or she can apply to the bank for cancellation to terminate all usage rights of the credit card. Cancellation means canceling the credit card, but the bank still retains personal account opening information. Generally, after a card is canceled, it can be re-opened within a short period of time. 2． Account cancellation: After the customer cancels all credit cards of the bank, he or she then applies to the bank to cancel his or her account. After the account is closed, all information except bad credit information will be deleted. 1. After canceling the card, the customer is still an old customer of the bank and no longer enjoys the bank's discount for new customers. After canceling the account, the customer is equivalent to a new user. If you apply for a card again, you can enjoy new customer discounts.

2. After a credit card is canceled, the magnetic stripe information remains. After the account is closed, all information is gone and the credit card will be completely invalid.

How to deal with credit cards that have not been used for a long time? Try this.

I believe that many people now have several credit cards in their hands. Many of them will be thrown aside if they are not used for a long time. This is not a good idea. Otherwise, the annual fee may be deducted, and secondly, there are security risks. Therefore, if you feel that you really don’t need it, the best way to deal with it is to cancel.

Of course, canceling a credit card is not casual. You can follow these steps:

1. Settlement of arrears and balances:

Canceling credit cards that have not been used for a long time After selecting a credit card, it is best to call the customer service number to ask if there is any outstanding balance or overpayment. If you have any arrears, pay them off as soon as possible. If you have any overpayments, you can swipe them away with your card. Of course, you can also choose to withdraw them, but you may have to pay a small handling fee to the bank.

2. Use credit card points

Credit card points are also a kind of benefit given by the bank. They will be cleared with cancellation. The points you have worked hard to save for a long time will not be used. It's such a pity. Common uses include redeeming products in credit card points malls, and redeeming miles for airline cards. If you cancel the card instead of closing the account, see if you can transfer the points from this card to other cards from the same bank.

3. Officially cancel the credit card

Credit card cancellation is divided into two types: card cancellation and account cancellation. If you are canceling all the cards under the same bank name, choose to cancel the account and just cancel one of them. Choose a card and cancel it. Don’t choose the wrong one. You don’t need to go to a bank branch to cancel, just call customer service to apply. As long as you confirm that there is no balance or debt in the card, it will be processed for you. If there is no refund or debt within 45 days, the cancellation will be successful.

Finally, don’t forget that after the credit card is canceled, the credit card in your hand will naturally be useless. However, in order to avoid information leakage, it is best to cut the card.

How to deal with unused credit cards

Credit cards should be canceled when they are no longer used. Cardholders can call the customer service hotline of the credit card center of the issuing bank to apply for cancellation of the credit card.

If you want to continue using it, as long as you make purchases with the card the number of times specified by the bank, there will be no annual fee the following year.

After using the credit card, make sure there are no outstanding debts and balances before canceling it.

There is a 45-day cycle for canceling a credit card. Do not use the credit card again during this cycle, otherwise the credit card will be in debt during this period and it will be recorded on the personal credit report.

What should I do if I no longer use my credit card?

The suggestion is that if you have multiple credit cards or debit cards from this bank, choose to cancel the card; if you only have the only credit card from this bank and will not use it in the future, If you don't want to use it again, choose to cancel the account.

The process of canceling a card or account is very simple. You only need to call the customer service number of the credit card. It will be done quickly. The credit card in hand has no use and can be destroyed by yourself. But before that, there are some things that cardholders need to pay attention to.

First of all, you need to check whether there is any unpaid balance in your credit card, and whether there is any overflow deposit. If there is any debt, you must pay it off before you can cancel the card or account. If there is an overflow deposit, , but also consume it first.

Second, look at how many credit card points you have and what gifts you can redeem them for. Otherwise, the points will be gone after canceling the card or account, and it will be a waste.

Third, check whether the credit card has any bad records in the past, such as overdue records. If so, it is best not to cancel the card or cancel the account, because the bad records cannot be eliminated and will always exist. In this case, it is recommended to continue using the credit card until the credit record is overwritten by new consumption records after 5 years.

Card cancellation process

1. Call the bank’s credit card center and ask about cancellation matters. It mainly depends on whether your card is suitable for cancellation, whether there is a balance, etc.;

2. Use the phone to cancel the credit card. After receiving the call, the bank will accept the user's application for canceling the credit card and deduct the annual fees payable for all cards under the account. If the account balance is zero or the customer explicitly gives up the remaining deposits in the account .

3. Go to the bank counter to formally cancel the credit card. Must bring

①prepare ID card;

②application form;

③credit card to be canceled. Go to the counter to collect the card and wait a month before canceling the transaction.

The first step to cancel is to collect the card. After collecting the card, you will go through the corresponding cancellation procedures one month later. However, you can also directly make an appointment to cancel the account on the day of canceling the card. In this way, you don’t have to go to the branch to apply for it after a month. The balance on the card will be transferred directly to the card that was scheduled to be closed after one month.

If you no longer want to use your credit card, what should you do?

If you no longer want to use your credit card, you must cancel it! Otherwise, the bank will continue to charge annual fees and record the annual fees as overdue year by year, which will not only cause interest and late payment fees, but also affect the holder's personal credit score.

Go to the bank counter to apply for credit card cancellation. The counter staff will conduct a comprehensive check on all interest charges on the canceled credit card;

After the bank confirms that there are no outstanding debts, including annual fees, you need to fill in the relevant application form After being authorized by the authorized person, a cancellation application is submitted through the counter system; at this time, the credit card information enters the pre-cancellation state. The bank will have a one-month "regret period" for credit card account cancellation, and the customer does not make a request within one month. The recovery application system will automatically cancel the credit card officially. At this time, the customer does not need to go to the counter to complete the procedure.

1. If the credit card is no longer used due to personal reasons, it is recommended to cancel it immediately after paying off the balance.

1. For credit cards that have not yet been opened, even if you do not plan to activate them, you must cancel the card. Otherwise, you will still be charged an annual fee every year. It is recommended to cancel the credit card within one month after the card is issued, and no later than 12 months. What needs to be reminded here is that bank counters do not provide credit card account cancellation services. Most banks require cardholders to call the bank’s credit card center customer service and apply to cancel the credit card over the phone. There is the corresponding customer service phone number of the credit card center on the back of the credit card.

2. For credit cards that have been used normally, the balance must be paid off before the bank can cancel the credit card account. After the bank agrees and registers the account cancellation, the credit card will enter a 6-month freezing period (also called the risk period, the specific time may vary from bank to bank, generally between 45 days and 6 months). During the freezing period, if the If no new debts are incurred on the card, the card will be officially canceled successfully after the freezing period.

3. After successfully canceling the card, it is best to cut off the magnetic card of the credit card yourself. In addition to the situation where the credit card has a debt and cannot be cancelled, there are also people who deposit more money than the debt when repaying. , resulting in a balance on the credit card, and it is impossible to apply for card cancellation. It is recommended that the balance be consumed.

2. Depending on the situation, non-payment is not allowed. If the cardholder fails to pay the annual fee on time, the bank will regard this as an overdue repayment and report this record as a negative record. The personal credit database of the People's Bank of China is retained for a certain number of years.

This ends the introduction on what to do if your credit card is no longer used and what to do if you no longer use your credit card. I wonder if you have found the information you need?