Credit card application for cancellation can be handled by telephone or in the business hall.
Cancel the bank credit card by phone:
(1) The main card of a credit card must be cancelled by the cardholder of the main card, and the secondary card can be cancelled by the cardholder of the main card or the cardholder of the secondary card.
(2) If a secondary card is hung under the account, the user will cancel the secondary card after canceling the credit card.
(3) When handling a credit card, the user who paid the deposit should first go to the card issuer's outlet to cancel the pledge, and then cancel the credit card.
(4) If a user conducts a deposit transaction within 30 days from account cancellation to formal account cancellation, he/she must bring his/her ID card when handling the card to the card-issuing business outlet for account cancellation.
(5) After the credit card is successfully cancelled, the user needs to destroy the unused credit card by himself. Destruction methods include cutting corners, punching holes and other ways to destroy the magnetic stripe.
Deactivation of bank outlets: you need to bring your ID card and credit card to a nearby bank outlet to cancel your credit card.
How to disable a credit card How to disable a credit card?
If the credit card is deactivated, you can bring your ID card and credit card to the issuing bank to handle the business process of credit card cancellation, or call the credit card center of the issuing bank to handle the business process of credit card cancellation. The account cancellation method of electronic equipment credit card is the same as that of physical credit card. Users can apply for account cancellation for their credit card supplementary cards. Credit cards are not easy to self-market. If it is necessary to cancel the credit card in the application or the credit card issued by the customer, the user can call the credit card hotline and then go to the manual service application. This is how to stop using credit cards.
Credit card introduction
Credit card is a credit certificate issued by commercial service banks or credit card enterprises to customers whose personal credit reaches the standard. The way is to print the name, validity period, number and user name of the issuing bank on the front, and print the magnetic stripe card and signed credit card on the back. Customers with credit cards can go to specially invited commercial units to buy things or spend money, and then the bank will settle accounts with merchants and users, and users can cash out within the required amount. Credit card consumption is an easy way to pay. You don't have to pay in cash when you spend, and you can repay it when the credit card bill is issued. This article is mainly about how to disable credit cards, and the content is for reference only.
How to stop using credit cards
Bring your ID card and credit card to the issuing bank to cancel the credit card business, or call the issuing bank's credit card center to cancel the credit card business. Credit cards don't cancel automatically. If you need to cancel the credit card in the application or cancel the card that has been issued, you can call the credit card hotline to transfer to manual service. If the credit card is successfully cancelled, there will usually be a SMS notification. You can check whether the cancellation is successful and the annual fee after cancellation through the credit card telephone customer service center.
Credit card cancellation conditions: you can only cancel if you have no arrears. If the cardholder does not meet the conditions for cancellation of the annual fee, the issuing bank will charge the annual fee according to the number of months used by the cardholder. Cardholders can continue to use the card and cancel it after reaching the annual fee reduction standard. If the cardholder decides not to use the credit card after full consideration, he must be firm when going to the card issuing marketing account. The staff will definitely explain the benefits of credit cards to cardholders and let them continue to use them. The cardholder should be firm when the staff lobby, otherwise the cardholder may not be able to cancel the credit card.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified. Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment is made on the billing day.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate). On May 25th, 2002/KLOC-0, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.
How to stop the credit card?
Credit card application for cancellation can be handled by telephone or in the business hall.
Cancel the bank credit card by phone:
(1) The main card of a credit card must be cancelled by the cardholder of the main card, and the secondary card can be cancelled by the cardholder of the main card or the cardholder of the secondary card.
(2) If a secondary card is hung under the account, the user will cancel the secondary card after canceling the credit card.
(3) When handling a credit card, the user who paid the deposit should first go to the card issuer's outlet to cancel the pledge, and then cancel the credit card.
(4) If a user conducts a deposit transaction within 30 days from account cancellation to formal account cancellation, he/she must bring his/her ID card when handling the card to the card-issuing business outlet for account cancellation.
(5) After the credit card is successfully cancelled, the user needs to destroy the unused credit card by himself. Destruction methods include cutting corners, punching holes and other ways to destroy the magnetic stripe.
Deactivation of bank outlets: you need to bring your ID card and credit card to a nearby bank outlet to cancel your credit card.
I want to stop using the credit card of China Bank. What should I do?
The credit card activities of China Bank are colorful, so I suggest you keep them. After pre-cancellation, the card can no longer be consumed, but repayment is supported. You can call the credit card customer service hotline of China Bank at 4006695566 or bring your valid ID card and credit card to the counter of China Bank to cancel the card.
The above contents are for your reference. Please refer to the actual business regulations.
How to stop using credit cards
You can handle it by phone or stop using it in the business hall.
1. Cancel the bank credit card by phone:
(1) Users who meet the requirements for telephone account cancellation can apply to the bank for account cancellation by telephone.
(2) After receiving the phone call, the bank accepts the user's application for canceling the credit card, and after deducting the annual fee receivable from all the cards under its account, the account balance is zero or the customer explicitly gives up the remaining deposit in the account.
I. Precautions for canceling credit cards by telephone:
(1) The main card of a credit card must be cancelled by the cardholder of the main card, and the secondary card can be cancelled by the cardholder of the main card or the cardholder of the secondary card.
(2) If a secondary card is hung under the account, the user will cancel the secondary card after canceling the credit card.
(3) When handling a credit card, the user who paid the deposit should first go to the card issuer's outlet to cancel the pledge, and then cancel the credit card.
(4) If a user conducts a deposit transaction within 30 days from account cancellation to formal account cancellation, he/she must bring his/her ID card when handling the card to the card-issuing business outlet for account cancellation.
(5) After the credit card is successfully cancelled, the user needs to destroy the unused credit card by himself. Destruction methods include cutting corners, punching holes and other ways to destroy the magnetic stripe.
2. Bank outlet deactivation method: You need to bring your ID card and credit card to a nearby bank outlet to cancel your credit card.
3. Credit card is also called debit card.
It is a non-cash transaction payment method and a simple credit service. It is issued by banks to individuals and units, so that they can shop, spend and deposit and withdraw cash from banks. The form is a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature on the back.
Credit cards are issued to cardholders by banks or credit card companies according to the credit and financial resources of users. Cardholders don't need to pay cash when using credit cards, and the bills will be returned when they arrive. 2065438+On April 5, 2006, the central bank issued the Notice of the People's Bank of China on matters related to credit card business, canceling the late payment fee for credit cards, introducing liquidated damages, and prohibiting the collection of over-limit fees. The new regulations came into effect on April 2065438+2007 1.
4. Credit card arrears:
Generally, you can't repay in full within 3 months, so you won't use direct repayment, and after the bank recovers the arrears, you can deposit most of them into the card in time. This is also a gesture, which means that the cardholder may forget to repay due to previous negligence and immediately fulfill the repayment obligation after being reminded.
If you don't repay the loan for three months, you will have a lot of trouble in buying a car with a loan in the future. Credit card is not recommended for others to use, because the card registered in your name on the credit record of China People's Bank cannot fulfill the repayment obligation.
Let's not talk about how to stop using credit cards.