How to cancel CITIC Credit Card

The CITIC Bank Credit Card cancellation method is as follows:

1. The fastest way to cancel CITIC Credit Card is to directly call CITIC Bank Credit Card Customer Service Telephone: 400-889-5558 to apply for cancellation. However, it should be noted that before canceling the credit card, make sure that there is no outstanding balance in the account, and there should be no balance. Then call the credit card customer service number and transfer to manual service, and apply directly to the manual customer service to cancel the credit card.

2. You can also cancel the card at the counter of a bank outlet. You need to bring your ID card and credit card to the bank to fill out an account cancellation application. If the credit card is in arrears, you need to make up the balance and wait a few days for the bank to cancel the account. Will call to confirm and then log out.

1. How long does it take to be approved for a CITIC Bank credit card loan?

It usually takes three working days to get approved for a CITIC Bank credit card loan. The lender can receive the payment within 1 working day after the CITIC Bank card is approved.

If the loan application has not been reviewed for a long time after the lender submitted it, the lender should call the CITIC Bank credit card customer service hotline to inquire about the specific reasons. It should be noted that the lender must keep a good credit record and have no bad debts before applying for a loan.

2. What are the consequences of being three days overdue on a CITIC credit card?

There will be no impact if the CITIC credit card is overdue for three days.

CITIC Bank credit card has a three-day grace period for repayment. If the repayer has not repaid after the three-day repayment period, an overdue credit report will appear. If the repayment is in full, it is deemed to be repaid on time. If the repayment is not made in full, the repayer will not be overdue as long as the repayment amount exceeds the minimum repayment amount, but interest will accrue at this time.

3. How to redeem CITIC Bank credit card points?

There are several ways to redeem CITIC Bank credit card points:

1. Website redemption: first log in to CITIC Bank For online banking, click to enter the points mall. You can view credit card points in the mall, select products for redemption based on your existing points, submit the order, complete the receipt information, and the redemption is completed.

How to cancel CITIC credit card

1.

Cancel at CITIC Bank counter. To cancel at the counter, you need to bring your credit card and ID card, and then hand them to the counter staff to cancel.

2.

Cancellation by phone from China CITIC Bank. Call CITIC Bank customer service hotline 4008895558 to apply for cancellation. There will be a review period when canceling a credit card. The bank will review whether you have any need to use the credit card or have unpaid debts during the cancellation stage. If there are none, the bank will cancel it for you. Remember to cut the card after cancellation.

The invention of credit cards is like a double-edged sword, which can solve the temporary economic crisis. However, the purpose of banks issuing credit cards is to make money. Once the interest-free repayment time is exceeded, high interest will be charged. , generally an interest of 0.05% per day.

Swiping cards for blind consumption is not like spending money one by one like paying with cash. Once you swipe, you don’t feel anything, just a few numbers, which leads to blind consumption and money flowing like water.

Excessive consumption of laptop installments, digital camera installments, and smartphone installments. While enjoying your favorite items in advance, you must also consider whether you are able to repay them.

High Interest Rates If you don’t know how to take care of your credit card and cannot repay the loan as scheduled when the final payment date comes, the bank will charge you high interest rates. (The minimum repayment for the first month of a credit card shall not be less than 10% of the overdraft amount of the month) [8]

Credit cards that require annual fees basically have annual fees, but most of them are exempt from annual fees. For example, China Construction Bank only needs to swipe the card three times a year to be exempted; but if you do not swipe the card the number of times specified by the bank in a year, an annual fee will be charged.

Scam credit cards basically use password-free swiping by default. This makes it easy for someone else to swipe the card when it is lost or stolen, causing unnecessary trouble or losses; but in fact, you can also apply for a credit card. Spending by swiping the card with the password - this depends on how you manage your credit card. Of course, many people lack experience in this area and do not close the account after canceling the credit card. Some criminals re-apply for a credit card overdraft and lose money in vain. , very not worth it.

Affected personal credit record Long-term malicious arrears will naturally affect personal credit record and even be blacklisted by the bank. If you want to apply for a bank loan to buy a house or a car in the future, you may be rejected by the bank.

Cancellation Trouble CCTV once reported that a cardholder still received bank statements several months after canceling his credit card after paying off all the outstanding balances. What happened after that made him miserable. This famous article For "Credit Cards That Can't Be Repaid", he exposed the shortcomings of today's credit cards.

Although there is an interest-free period for credit cards, it is only for card consumption. There is no interest-free period for cashing out, and handling fees are also charged.

How to cancel a CITIC Bank credit card

There are usually two ways to cancel a CITIC credit card:

1. Cancel at the CITIC Bank counter. To cancel at the counter, you need to bring your credit card and ID card, and then hand them to the counter staff to cancel.

2. Cancellation by phone from China CITIC Bank. Call CITIC Bank customer service hotline 4008895558 to apply for cancellation.

There will be a review period when canceling a credit card. The bank will review whether you have any need to use the credit card or have unpaid debts during the cancellation stage. If there are none, the bank will cancel it for you. Remember to cut off the money after cancellation. Card.

Repayment methods

Credit card repayment

The common credit card repayment methods in China mainly include the following categories (according to the cost):

In-bank repayment

The repayment methods mainly include: card issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.

Mobile repayment

The mobile phone is a personal payment terminal of the mobile financial system, which can be used to directly repay the loan by swiping the card, and can also perform transfers and other services. Instant payment!

Convenience store repayment

Convenience store repayment is mainly completed through the "Lakala" smart payment terminal installed in the convenience store. It usually takes 2 to 3 working days to arrive in the account, and there is no handling fee for repayment using this method.

Online repayment

The more common online repayment methods in China include: Baidu Wallet, UnionPay Online, Kuaiqian, Shengfutong, Alipay, Yipay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.

Inter-bank transfer

Inter-bank transfer/remittance repayment is mainly divided into two methods: inter-bank inter-bank in the same city and inter-bank inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.

Counter Pass

Counter Pass refers to the bank cards issued by various networked financial institutions. RMB current deposits can be made through the counters of other bank branches registered in the UnionPay Exchange Center host system. Withdrawal transactions.

Lakala

Cardholders can complete credit card repayments, mobile phone recharges, online bill payments and other services through convenience stores, bank outlets or purchasing "Lakala" device terminals.

Xinfutong

The "Xinfutong" smart card swiping phone was independently developed by China UnionPay, certified by the Bank Card Testing Center, and provided with financial service support by China UnionPay's inter-bank information exchange network of innovative electronic products.

Repayment Tong

Use "Repayment Tong" to repay, and the fees are generally charged according to the fee standards for intra-city inter-bank transfers and long-distance inter-bank remittances stipulated by the local People's Bank of China.

Intelligent repayment

The new industry, its main function is to use the balance of about 5-10% in the card to formulate a consumption and repayment plan and then execute automatic payment through a licensed payment company The purpose of recurring consumption repayment is to achieve full repayment, and a certain handling fee is charged. The basic functions include bill management, local payment, free card application, etc.

How to cancel the CITIC Bank credit card application after submitting it?

If you cancel your CITIC Bank credit card application after submitting it, you can call the bank’s customer service to cancel. If you have passed the review, you will generally enter the card delivery process. At this time, you cannot cancel the credit card application. If you want to cancel your application, you must go to the business hall counter to apply for cancellation before it is approved.

If you submit the application through direct channels such as the website or bank, you cannot cancel it. You can only wait for a return visit by phone, and then you can refuse to apply for the card.

Extended information:

The CITIC Bank credit card online application process is as follows:

1. Enter your name and ID number for customer verification to verify whether you are a new customer;

3. Enter the warm reminder page to learn about the follow-up tips for applying for a card;

4. The application methods are divided into: applying for a card at an outlet, applying for a card through online banking with a certificate and signature, applying for a card through an outlet confirmation, and applying at a door-to-door location. Apply for a card; the system provides card application method options based on the applicant type, and applicants need to select a card application method when applying.

Reference materials: China CITIC Bank official website - What is the process of applying for a CITIC Bank credit card online?

This concludes the introduction on CITIC Credit Card Cancellation Application and how to cancel CITIC Credit Card Cancellation Application. Did you find the information you need?