What should I do if my credit card is no longer in use?

If your credit card is no longer in use, you can choose to cancel it. The cancellation methods generally include cancellation by phone or bank counter cancellation.

Telephone cancellation process: The user calls the customer service hotline of the card-issuing bank and is transferred to manual service. The customer service staff will verify the user's personal information and submit the cancellation application after verifying the information. The staff will inquire about the reason for cancellation and confirm whether the user has To cancel, after confirming the cancellation, wait for the 45-day risk period. On the 46th day, the user can call the customer service hotline to inquire whether the cancellation is successful.

Bank counter cancellation process: Users can go directly to the offline bank counter with their credit card and personal ID card.

You need to pay off the debt before canceling. If you still have points, it is best to dispose of them.

Credit card cancellation is divided into two types: card cancellation and account cancellation. If you choose to cancel the card, if you still want to use it later, you can apply for a new card from the bank; if the account is canceled, all credit cards under the same bank's name will be cancelled, and If you later want to use the credit card that has been canceled by the bank, you must apply again.

Note: If your credit card has just become overdue and cannot be cancelled, you should insist on using it for two years and pay it back on time during this period. You can overwrite the overdue record. Doing so will not have any impact on your credit report.

What to do if the credit card is no longer used

The credit card is no longer used: For unopened credit cards, even if you do not intend to activate the card, you must cancel it, otherwise you will still be charged an annual fee every year Yes, it is recommended to cancel the credit card within one month after the card is issued, and no later than 12 months. Generally, bank counters do not provide credit card account cancellation services. It is not ruled out that some bank counters can provide such services. However, most banks require cardholders to call the bank's credit card center customer service to apply for credit card cancellation over the phone. If you no longer want to use your credit card, you must cancel it, remember! Otherwise, the bank will continue to charge annual fees and record the annual fees as overdue year by year. This will not only cause interest and late payment fees, but also affect the holder's personal credit!

Go to the bank counter to apply for credit card cancellation. The counter staff will conduct a comprehensive check on all interest charges on the canceled credit card;

Confirm at the bank that there are no arrears, including annual fees. After that, you need to fill in the relevant application form and submit the cancellation application through the counter system after being authorized by the authorized person;

4 At this time, the credit card information enters the pre-cancellation state, and the bank will set up a system for canceling the credit card account. There is a one-month "regret period". If the customer does not apply for reinstatement within one month, the system will automatically cancel the credit card officially. At this time, the customer does not need to go to the counter to handle the procedures. 1. If a canceled cardholder no longer wants to use a certain bank's credit card, he or she can apply to the bank for cancellation and terminate all usage rights of the credit card. Cancellation means canceling the credit card, but the bank still retains personal account opening information. Generally, after a card is canceled, it can be re-opened within a short period of time. 2. Account cancellation: After the customer cancels all credit cards of the bank, he or she then applies to the bank to cancel his or her account. After the account is closed, all information except bad credit information will be deleted. 1. After canceling the card, the customer is still an old customer of the bank and no longer enjoys the bank's new customer card discount. After canceling the account, the customer is equivalent to a new user. If you apply for a card again, you can enjoy new customer discounts.

2． After a credit card is canceled, the magnetic stripe information remains. After closing the account, all information will be gone and the credit card will be completely invalid.

What should I do if I no longer use my credit card?

The suggestion is that if you have multiple credit cards or debit cards from this bank, choose to cancel the card; if you only have the only credit card from this bank and will not use it in the future, If you don't want to use it again, choose to cancel the account.

The process of canceling a card or account is very simple. You only need to call the customer service number of the credit card. It will be done quickly. The credit card in hand has no use and can be destroyed by yourself. But before that, there are some things that cardholders need to pay attention to.

First of all, you need to check whether there is any unpaid balance in your credit card, and whether there is any overflow deposit. If there is any debt, you must pay it off before you can cancel the card or account. If there is an overflow deposit, , but also consume it first.

Second, look at how many credit card points you have and what gifts you can redeem them for. Otherwise, the points will be gone after canceling the card or account, and it will be a waste.

Third, check whether the credit card has any bad records in the past, such as overdue records. If so, it is best not to cancel the card or cancel the account, because the bad records cannot be eliminated and will always exist.

In this case, it is recommended to continue using the credit card until the credit record is overwritten by new consumption records after 5 years.

Card cancellation process

1. Call the bank’s credit card center and ask about cancellation matters. It mainly depends on whether your card is suitable for cancellation, whether there is a balance, etc.;

< p>2. Use the phone to cancel the credit card. After the bank receives the call, it will accept the user's application for canceling the credit card and deduct the annual fees payable for all cards under the account. If the account balance is zero or the customer explicitly gives up the remaining deposits in the account .

3. Go to the bank counter to formally cancel the credit card. Must bring

①prepare ID card;

②application form;

③credit card to be canceled. Go to the counter to collect the card and wait a month before canceling the transaction.

The first step to cancel is to collect the card. After collecting the card, you will go through the corresponding cancellation procedures one month later. However, you can also directly make an appointment to cancel the account on the day of canceling the card. In this way, you don’t have to go to the branch to apply for it after a month. The balance on the card will be transferred directly to the card scheduled for account cancellation after one month.

What should I do if my credit card is no longer in use? Users can choose to cancel it

Credit cards can facilitate our lives when used in daily life. However, many people apply for several at the beginning, but after applying for If you can’t use it, what should you do if you don’t use your credit card? How would you handle it? Let me give you a detailed introduction below.

When the credit card is not in use, you can pay off all the outstanding balances and then leave it alone. Generally, the credit card will automatically expire after its expiration date. However, when leaving it, make sure that the credit card will not incur annual fees. If If the annual fee is not repaid, the bank will charge penalty interest and affect your personal credit score.

If the user leaves unused credit cards and is worried about causing a series of problems, the credit card can be canceled at this time. However, cancellation can be divided into card cancellation and account cancellation. Card cancellation is just canceling the card itself, while account cancellation is the name. All credit cards in this bank have been cancelled, which makes a big difference.

When canceling a credit card, users can directly call the bank customer service hotline. The bank customer service may retain the credit card during cancellation, but as long as they insist on canceling it, it will be fine. Generally, after verifying the cardholder's information, the customer service staff will submit a cancellation application. It usually takes 45 days to know whether the cancellation was successful.

When canceling a credit card, you need to pay off the debt, and also pay attention to the points generated by credit card consumption. These points can be exchanged for goods in the points mall. Therefore, before canceling a credit card, it is best to know how many points the credit card contains, and then use the points. If the number of points is relatively small, you can use cash plus points to purchase.

Canceling a credit card will not affect your personal credit report. However, you should be cautious when canceling a credit card that has recently expired and is on your credit report. You will usually use it for a period of time before canceling it, which can cover up the overdue record. After all, bad credit reporting affects the processing of various loans, such as car loans and home loans. It should be noted that bad credit reporting records will be kept for 5 years and will automatically disappear after 5 years.

That’s it for the introduction of how to use credit cards.