How to cancel an unactivated credit card

The method to cancel an unactivated credit card is as follows:

1. Call the 24-hour customer service number on the credit card to apply for cancellation, and the customer service will confirm the identity The card will be canceled for you later;

2. Go directly to the bank counter to handle the cancellation procedure, you need to bring your ID card and credit card;

3. Go to the bank ATM machine 45 days after applying for cancellation and insert it The credit card, and then check the status of the credit card;

4. If the cancellation is successful, the ATM machine will show that the card has expired; if the credit card can be used normally, be sure to contact the bank customer service in time and cancel the card again .

Extended information

1. Precautions for using credit cards

1. Credit card, also called debit card, is a non-cash payment method. It is a simple payment method. Many friends don’t know what precautions novices need to pay attention to when using credit cards. Let’s take a look at them together.

2. If you repay in full and on time, you will be free of interest. If you repay the minimum payment on time, a daily interest rate of 0.05% will be charged, starting from the date of consumption recording.

For late repayment, in addition to the above-mentioned interest, there are also late fees. Know the two important dates of your credit card.

3. If you don’t know the monthly statement date (also called the reconciliation date) and the final repayment date, you can call customer service and ask. The credit card center number is on the back of the card.

4. Ask the bank to send statements on time every month. If it is inconvenient to receive paper letters, ask the bank to send an email instead to understand the minimum handling fee for each credit card withdrawal.

2. Credit card application qualifications

1. Applicants must be 18 years old and have a stable income, have a fixed office address, and the company is equipped with a landline phone.

2. ID card, work certificate, social security, academic certificate, etc.

3. My mobile phone number and email address for real-name authentication.

4. Proof of assets such as: cars, real estate, certificates of deposit, etc. (special requirements for quotas).

3. After the credit card information is submitted

1. After the information is submitted, it will be reviewed by the staff of the credit card outlet. Generally, a follow-up visit will be conducted through the unit phone number and personal phone number for verification; some applications There will be 2 random inspections and follow-up visits.

2. Review time: Generally, the review is completed within 10 working days. After the review is passed, the card will be printed and mailed to the unit address.

3. Some banks have enabled rapid review, and review results will appear in a shorter period of time, but it still takes time to prepare and send the card.

4. Receive the credit card

1. After receiving the credit card, a usage guide will be attached. Follow the prompts to activate the credit card;

2. Credit card activation method It is divided into: phone activation, bank APP activation, and business outlet activation;

3. For outlet activation, you need to bring the original ID card and original credit card.

4. Remember the billing date and repayment date of your credit card, repay on time and maintain good credit.

How to cancel an unactivated credit card

The method to cancel an unactivated credit card is as follows:

1. Call the 24-hour customer service number on the credit card to apply for cancellation, and the customer service will confirm the identity. The card will be canceled for you later;

2. Go directly to the bank counter to handle the cancellation procedure, you need to bring your ID card and credit card;

3. Go to the bank ATM machine 45 days after applying for cancellation and insert it The credit card, and then check the status of the credit card;

4. If the cancellation is successful, the ATM machine will show that the card has expired; if the credit card can be used normally, be sure to contact the bank customer service in time and cancel the card again. .

In most cases, citizens who have full capacity for civil conduct (citizens over 18 years old in mainland China) and have certain direct financial resources can apply for a credit card from the card issuing bank. Sometimes, legal persons can also be applicants.

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country.

Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature.

After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness. The content of the review mainly includes whether the content of the application form is true. The creditworthiness of the applying unit must be evaluated, and the relevant circumstances of the guarantor must also be reviewed for individuals.

Usually, banks will judge whether to issue a credit card to the applicant based on the application information and various aspects of the applicant's information and financial situation. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and processes reviewed by the card issuing bank are commercial secrets and are generally difficult for outsiders to understand. The standards of each card-issuing bank are also different. Therefore, the same materials may be issued with different credit limits and different types of credit cards in different banks. Some banks may even approve the application, while others may reject it. .

What to do if the credit card is not activated and is no longer needed

1. Bring your ID card and credit card to a bank branch and cancel it with the help of a manual counter.

2. Call the bank’s customer service number, transfer to a manual customer, and log out according to the voice prompts.

For credit cards that are not activated, annual fees will not be charged and will not have any impact. However, when checking the credit record, there will be information showing inactive credit cards in the credit card column. Most bank credit cards can be canceled with just a phone call.

Extended information:

What is a credit card?

It is issued by commercial banks to individuals and organizations, which can be used to shop and consume with special organizations and deposit and withdraw money from banks. Cash, a special carrier card with consumer credit, in the form of a card with the name of the issuing bank, validity period, number, cardholder name, etc. printed on the front and a magnetic strip and signature strip on the back

True A credit card has the following characteristics: it is not encouraged to deposit cash in advance, consume first and repay later, enjoys an interest-free payment period, can repay in installments independently (with a minimum repayment amount), and has joined international credit card organizations such as VISA and MASTER for global use.

Consumption Characteristics of Credit Cards

In fact, everyone is already familiar with the consumption characteristics of credit cards. Take telecommunications products as an example. Generally, debit cards/savings cards are like "Travel to China". You need to deposit cash in advance, and you can spend as much as you deposit. If you don't have money, you can't make a call; if you don't have money on the debit card, you can't withdraw cash or swipe the card.

A credit card is like a regular landline phone at home.

Pre-depositing cash is not encouraged (you cannot pay a month’s phone bill to the telecommunications bureau first).

Credit consumption ( Nowadays, there is generally no deposit required for phone installation),

Consumption first and then repayment (the phone bill in July will be paid after receiving the bill in August),

Enjoy free Interest period (there is still a period of time to pay after the bill is received).

The only thing that cannot be compared with landline phones is that there is no minimum payment. Well, in fact, we have already been using the credit card consumption model, but domestic credit cards appeared too late.

In the final analysis, when you use your credit card to buy something, the bank will help you pay the bill "instantly". You only need to pay the money to the bank after receiving the bill at the end of the month.

The process of applying for a credit card:

1. Prepare application materials.

2. After preparing the materials, you can go to the bank to apply or make an appointment online.

3. Submit the required information and wait for the bank's approval. During the approval process, the bank will call the applicant to verify the information.

4. After approval, the bank will mail the card to the applicant. It will take about 3 weeks to get the card after successfully submitting the information.

Legal basis:

Article 34 of the "Credit Card Business Management Measures"

To apply for a credit card, an organization or individual should fill in the application form in accordance with the regulations. Send it to the card-issuing bank together with relevant information. For those who meet the conditions, the card-issuing bank will open a credit card account for the applicant and issue a credit card.

What will happen if I apply for a credit card but do not activate it?

I believe that after receiving a credit card, many friends will not activate the card due to some reasons, such as helping others to complete tasks, the limit is too low, or they cannot be used temporarily.

So after receiving the credit card but not activating it, what impact will it have on you? The real situation is not as simple as imagined.

Now, let’s take a closer look at what will happen if your credit card is not activated?

As long as we apply for a credit card from the bank, a credit card approval query record of the bank will be recorded on the credit report, regardless of whether our credit card application is approved. Of course, it is also possible that the addition of such an inquiry record will affect our subsequent application for other loans and credit cards.

When our credit card is successfully approved but is not activated, it will also be displayed on our credit report, reflecting the status of XX Bank's credit card is not activated.

For high-end cards such as platinum and diamond credit cards of some banks, it is possible that the credit card limit will be deducted in advance to offset the annual fee when the credit card is not activated. In other words, even if we have not activated the credit card, we have already incurred charges and need to repay them. If you ignore this point, it is very likely that your credit card will become overdue due to missed payments.

Of course, for this kind of high-end credit card, after all, the customer group it faces is relatively high-end, and the overall service will be relatively complete. When applying for this kind of credit card, the bank will repeatedly remind us to pay attention to this point.

When applying for a credit card, some friends pay more attention to the beauty and personalization of the card. For this kind of customer group, banks have also launched credit cards with DIY card boards, which allow customers to choose their own credit card in a personalized way. card board. Of course, this kind of DIY service comes with a certain fee, and this fee is usually deducted from the credit limit after the credit card is approved. In other words, when we receive this kind of DIY credit card, even if it is not activated, the card creation fee will still be incurred, and we need to activate the card and repay it.

Similarly, for customers who want to get their cards quickly, banks will also launch services such as expedited card printing and EMS express delivery, which will also incur corresponding fees. This part of the fee may also be withheld from the inactive credit card balance.

For such fees, the bank will also prompt us when we apply for a credit card. We also need to pay special attention to avoid overdue payments due to missed payments.

Of course, the most important impact of not activating the credit card is that it cannot be used. If a credit card is not activated, it cannot be used for consumption in any form.

Here we suggest that when applying for a credit card, you must choose a card that suits you, consider it carefully before applying, and try not to apply for a credit card just to help complete a task. If you blindly apply for a credit card without a clear understanding and incur unnecessary expenses, you will lose more than you gain.

Furthermore, any bank’s credit card credit limit has its own rules. The higher the better, the limit is enough. If you feel that the limit is too low after receiving the card, you can Activate the card first, use it normally for a period of time, and the limit will gradually increase.

If you really don’t want to activate the card after receiving it, it’s best not to put it aside. You should call the bank’s customer service number to cancel the card in time and destroy the card yourself. This is the safest and safest way. .

What should I do if my credit card is no longer activated? Do these things well

Credit cards are a double-edged sword. If used well, they can help cardholders make money, but if used poorly, they will bring heavy pressure. Therefore, many people have applied for them. When it comes to credit cards, you may worry about poor self-control, so you won’t dare to open and use the card, so you need to properly handle unactivated credit cards. So, what should I do if my credit card is not activated and is no longer needed? Come take a look today.

What should I do if my credit card is not activated and is no longer needed?

Many banks do not stipulate a credit card activation period. As long as the card is activated before it expires, many cardholders think that they can ignore the card if it is not activated. It will automatically expire after the validity period. However, the validity period of a credit card is between 3 to 5 years, and there are risks if the credit card is not activated during this period. Therefore, it is best to cancel the credit card that has not been activated and is no longer needed. In this case, you need to do these things.

1. Determine the credit card limit: The main thing is to check that the credit card limit has not been reduced due to deduction of annual fees. After all, many high-end cards automatically deduct fees when the card is verified successfully, which has nothing to do with the credit card status. You need to transfer the outstanding balance to your credit card before canceling.

2. Determine the cancellation method: There are two types of credit card cancellation: card cancellation and account cancellation, which are related to the number of cards issued by the bank under your name. For example, if you only have one card, you can choose to cancel it if there is no outstanding payment. If you have multiple cards and just don’t want to use one of them, you can choose to cancel the card. This can be done by calling or going to a bank branch.

3. Confirm the cancellation status: Credit card cancellation is not real-time. There is a 45-day settlement period. If there are no arrears and balances during the period, the cancellation will be successful on the 46th day. In other words, the cardholder must call the bank customer service on the 46th day to confirm whether the credit card has been successfully canceled.

The above is the relevant introduction of "What to do if the credit card is not activated and no longer required". I hope it will be helpful to everyone.

What should I do if I deposit money on an inactive credit card? There are two ways to process it

Inactive credit cards cannot be used, but they can receive transfers. As long as you know the credit card, cardholder name and other information, you can transfer money to an unactivated credit card. Someone mistakenly deposited money into an unactivated credit card and cannot make purchases. So what should I do if I deposit money into an unactivated credit card? Let’s briefly introduce it today.

What should I do if I deposit money on an inactive credit card?

Everyone should know that an inactivated credit card has not been opened. Even if there is money in the card, you cannot swipe the card for consumption, let alone withdraw cash. For this reason, it will be more troublesome to deposit money into an unactivated credit card. The cardholder can call the card issuer to inquire about how to handle it.

1. Usually banks will recommend that cardholders activate their credit cards and then withdraw the money deposited in them through cash withdrawals or cash advances. If you use this method, you must pay attention to the usage of the credit limit. Calculate the cash withdrawal fees in advance and deduct the fees from the deposited amount, so that you will not use the credit card's fixed limit and do not have to make repayments.

2. If you do not plan to activate your credit card and just want to withdraw the deposited money, you usually need to go to the bank branch counter to handle it. The cardholder must bring this unactivated credit card, his valid ID card, and the bank card used to collect payments, and ask a teller at the bank branch he goes to for help. After the teller verifies the cardholder's identity, the money deposited in the credit card will be transferred to the payment card provided.

The above is the relevant introduction to "What to do if you deposit money on an inactive credit card". In short, the above two methods can dispose of the money stored in unactivated credit cards. As for which method is suitable, it still depends on the needs of the cardholder.

This ends the introduction on how to deal with unactivated credit cards and unactivated credit cards. Have you found the information you need?