How to deactivate a credit card
To apply for deactivation of a credit card, you can apply over the phone or go to the business office to apply for deactivation.
Canceling a bank credit card by phone:
(1) The principal card holder must apply for cancellation of the main credit card, while the supplementary card can be canceled by the principal cardholder. The application can also be made by the supplementary cardholder.
(2) If there is a secondary card attached to the account, after the user cancels the credit card, the secondary card will also be cancelled.
(3) When applying for a credit card, users who have paid a deposit should first go to the card issuer's outlet to release the pledge, and then cancel the credit card.
(4) If the user makes a deposit transaction within 30 days from account cancellation to official account cancellation settlement, the user needs to bring the ID card used when applying for the card to the card-issuing business outlet to complete the account cancellation settlement procedures.
(5) After the credit card is successfully canceled, the user needs to destroy the unused credit card by himself. The destruction methods include: cutting corners, drilling holes and other methods that can damage the magnetic stripe.
How to deactivate the card at a bank branch: You need to bring your ID card and credit card to a nearby bank branch to cancel the credit card.
What to do if your credit card is suspended
There are two main types of credit card suspension. If it is overdue for more than three months, then all outstanding balances should be repaid. If the credit card is deactivated because the bank suspects abnormal consumption transactions, the cardholder can call the card-issuing bank.
Suspended situation 1:
The bank suspects that the credit card’s consumption transactions are abnormal and may be attacked by hackers or other criminals. For the safety of the cardholder, the bank has frozen the credit card. credit card.
Solution: In this case, if the credit card is deactivated, the cardholder can call the card-issuing bank and ask the bank to issue a replacement credit card. After getting the new card, he can directly open the card and use it, and at the same time, transfer the original credit card to the bank. Do the cutting process.
Situation 2 of suspension:
If the credit card is overdue for more than three months, the issuing bank has the right to unilaterally suspend the credit card. In addition, even if the credit card is deactivated in this case, the late payment fees and interest that still exist on the cardholder's bill will continue to increase. If the amount reaches the bank's regulations, the bank can allow the cardholder. If the amount is larger, the cardholder will also Will be punished.
Solution: As a result, the credit card has been deactivated. It is best for the cardholder to repay the balance owed on the credit card in full. At the same time, in order to avoid a credit record blacklist, it is best to re-register the credit card. Activate, repay on schedule, and use the continuous period to offset the original bad credit record. Otherwise, the cardholder will not only be unable to apply for other credit cards, but also be unable to apply for housing loans and other financial loans.
My credit card is suspended, how to restore it?
If your credit card is suspended, you can choose to ask the bank customer service to restore the suspended credit card or reissue a new credit card.
It is recommended to obtain your account information from bank customer service as soon as possible. Pay off the debt in time to avoid greater losses and impact on your credit record. On-time repayment is the most basic requirement of banks for credit card holders. If a credit card is overdue, the bank will charge interest and late fees. But when the cardholder has multiple overdue records or the overdue amount reaches a certain amount.
The bank will consider it to be malicious overdraft consumption and will unilaterally terminate the use of the credit card. What you have to do is to pay off all the amount owed on the credit card, including late payment fees, regardless of whether you use the credit card in the future or not, otherwise the consequences for your integrity will be serious.
Extended information:
The introduction to credit card suspension is as follows:
After paying off all the credit card debts, you can call the customer service of the credit card center and Communicate well with credit card customer service and explain your situation. First of all, you should explain the reason why you failed to repay the loan on time; at the same time, you should show that you attach great importance to the matter and apologize for the overdue repayment;
Finally, express your determination to repay the loan and let customer service help Unrestrict your credit card. The most correct way is to continue using it and repay it on time, and eliminate your bad records after 5 years.