Hello, if it is our credit card, please call the customer service hotline 4008205555 after the credit card account is settled, enter your ID number or card number and inquiry password according to the voice prompt, and then select "9" to transfer the service specialist to cancel it for you. Cancellation is free and cannot be handled for you through the network service at present.
The account is settled, that is, there is no debt, and the interest is not counted.
If in doubt, please add enterprise QQ customer service 4008205555 or WeChat to WeChat official account "China Merchants Bank Credit Card Center" for detailed consultation.
How to cancel a credit card after it is invalid will take effect one month or 45 days from the date of registration. If users need to use the card within 3 months, they can reactivate it.
Tip: If you don't plan to get a credit card after cancellation, you must cut the magnetic stripe and destroy it immediately! Because the magnetic stripe of a credit card records the relevant information of the cardholder, if the card is obtained and used by criminals, it may bring unexpected losses to itself.
If you have other specific questions, I suggest you call the customer service staff of the bank, hoping to help you.
The credit card is invalid, so how to calculate the debt must be paid back. After all, you owe money. And return it to him as soon as possible, otherwise the interest will increase.
You can go to the bank counter to deal with it, indicating that you are interested in repayment, but there is something wrong with the bank card, so let them help you deal with it. If you can't handle it, you can go to the counter and explain that the interest is not responsible, because I want to return it now, but there is something wrong with your card and it hasn't been entered yet.
How to calculate the credit card interest when the credit card is invalid: 1. If the credit card fails to repay in full and on time, it will not enjoy the interest-free period. Each consumption amount in the last statement is the interest-bearing principal, and the interest-bearing days are from the account bookkeeping date to the account repayment date, with a daily interest rate of 0.5 ‰ (timely and full repayment according to the bill, and interest-free credit card consumption). 2. For cash advance transactions by credit card, from the date of cash advance to the date of settlement, interest will be charged at a daily rate of 0.5 ‰, with compound interest on a monthly basis, and a certain amount of cash advance fee will be charged according to the credit card charging standard of China Merchants Bank.
Is there any interest on the cancellation of credit cards? Yes, the circulating interest will not stop until the arrears are paid off.
1. Credit card malicious overdraft: refers to the behavior that the cardholder overdraws beyond the prescribed limit or term for the purpose of illegal possession, and has not returned it for more than 3 months after being repeatedly urged by the issuing bank.
Second, the consequences of malicious overdraft of credit cards:
1. Bad credit record;
2. Generate late fees and interest;
3. The bank will sue;
4. You can't handle the credit business in this bank within 5 years from the date of paying off the debts.
How many days can I use my credit card after repayment? Personal experience:
The line should be recyclable, and the available line will increase accordingly after repayment. As long as the credit limit is not used up, you can continue to brush it, even on the day of repayment, but you should pay attention to avoid overdue repayment and affect credit.
You can swipe your card at 1.5. If the repayment is made in full, the amount will be the same as before.
How many credit cards do you know? Are there any security risks after credit card cancellation? Generally, banks require that your credit card be in your own hands. After cancellation, the bank will let you cut the card and destroy it yourself, which is a safer way to deal with it.
If the card is lost, you don't want to report the loss, but you have to cancel it, because there will be a lot of personal information in the magnetic stripe and chip of the card. If you use it, the consequences will be unimaginable.
I was sued and my credit card was frozen. How can I cancel my credit card? If it is a CMB credit card, after the credit card account is settled, please call the customer service hotline, enter the ID number or card number and inquiry password according to the voice prompt, and then select "9" to transfer the service specialist for cancellation. Cancellation is free and cannot be handled for you through the network service at present. Business credit card cancellation needs to contact the company to issue a special business processing form application.
How to cancel the credit card safely? What are the security measures for credit card cancellation? How about the steps of canceling the credit card? For users who don't want to use credit cards, I really want to know. Here, I will give you a detailed introduction.
Credit card security cancellation steps
Step 1: Call the customer service hotline of the bank to find out the status of the credit card.
Call first to see if there are any open accounts on your card. Once the money you spend is overdue, it will damage your personal credit, and it will not be so easy to apply for a loan in the future. Secondly, get to know the points, and it's not too late to cancel the account after redeeming the gifts. However, many banks will provide generous gifts when customers apply for cards. In this case, the card cannot be sold casually, and it will take at least half a year.
Step 2: Make it clear whether you want to return the card or just want to avoid the annual fee.
Many people don't insist on using credit cards and regret it after receiving the annual fee bill. At this time, if you want to return the card, you must pay off the annual fee before you can return the card. However, banks will provide various preferential measures to compensate credit card users.
Sloppy. General banks will provide annual fee-free discounts for swiping cards 3 to 6 times a year, and some banks will also give some leniency to high-quality customers, allowing them to make up the number of swiping cards within the next month to avoid annual fees; crowd
Many banks have also launched annual fee deduction activities. Generally speaking, for gold card users, 5000 points can offset the annual fee 160 yuan. If you just want to avoid the annual fee, then make it clear to the customer service. what can I do? For customers with good reputation,
Banks are still very welcome.
Step 3: Pay attention to the storage of the card after cancellation. "One cut and two cuts" is the best.
The most convenient way to choose to return the card is to call the customer service hotline.
Ok, it will take about 7 working days to officially cancel the card. Credit cards don't need to be returned to the bank, as long as they are handled properly. The customer service staff recommended that the best way is to "split in two". Of course, before you move the scissors, you have to call the electricity first.
Confirm whether the card has been sold. It is worth reminding that many banks have records of card cancellation users, which restricts them from handling the same type of credit card next time.