For shopping payments at some merchants, credit card online banking may not be available. If the card has not expired, you need to apply first and go to the bank after a certain period of time to cancel the account; if the card has expired, If the account balance is zero, you can directly go to the designated bank outlet to cancel the account.

When canceling an account, you should bring the original valid identity document and card. If it is inconvenient for you to go through the account cancellation procedures, someone else can do it for you. The agent must hold a power of attorney written by the principal and bring the original valid identity document to handle the account cancellation business. Extended information

When a cardholder uses a credit card to make large purchases, the card-issuing bank pays the merchant a one-time payment for the goods purchased by the cardholder, and transfers the consumption funds in installments to the merchant based on the cardholder's application. The cardholder's credit card account is debited, and the cardholder repays the monthly credit amount.

In the past, credit card installments mainly included bill installments and single consumption installments. Banks usually charged corresponding handling fees based on the number of installments. Whether it is bill installment or single consumption installment, the premise is that consumption behavior occurs first, and then the bank sets the installment repayment of the credit loan generated.

Baidu Encyclopedia-Credit Card