1. Cancellation of credit card by China Merchants Bank can be done by phone or at a bank branch.

2. The methods for canceling a China Merchants Bank credit card are:

1) Cancel by phone. Cardholders can call the China Merchants Bank credit card customer service hotline and then transfer to manual service for cancellation; please call the credit card customer service hotline 4008205555, enter the ID number and query password--then select "9" to enter the manual service process. If you do not hold a card, please select 3. #Enter manual.

2) Logout of the outlet. Cardholders can bring their credit card and ID card to a China Merchants Bank outlet and handle cancellation at the counter.

1. Credit consumption is inevitably inseparable from bank credit cards. Now more and more people are applying for credit cards, the threshold is getting lower and lower, and there are many credit card disputes. Some people think that using credit cards will increase their consumption, so they often think of canceling their credit cards. Under normal circumstances, it is not recommended to cancel credit cards for the following reasons:

1) Do not cancel credit cards in case of emergency, that is, when you encounter major economic changes in your life, you generally want to cancel your credit cards. Most people have a concept in their minds that if they have a credit card, they always feel like they are carrying a huge debt. If you don't spend money and the credit card is idle, it will be detrimental to the credit limit and credit; if you use the credit card and forget to repay it, you will have a bad credit record. Most of the people who can apply for credit cards have good credit, have a stable life, and have a fixed salary income. And if one day, due to an accident or a major change in life, you have no way to borrow money, using a credit card may help you get through difficult and critical moments. I believe many people have experienced this situation.

2) It is easy to cancel a credit card, but after cancellation, it will be more difficult to apply again. Every bank has a filtering mentality for users who have canceled their credit cards. To put it bluntly, it means that you are not a high-quality customer because you have applied for a credit card before and do not use it frequently or spend frequently. If you apply again, unless you are particularly outstanding, there is a high probability that it will be rejected.

3) Canceling a credit card does not mean canceling the account. It can easily be used by criminals and cause unnecessary trouble. Canceling a credit card does not mean canceling the account. Your card has been canceled, but your information is still there. bank, and happened to have a gap period. If at this time, it is stolen by criminals.