How to cancel the credit card of China Construction Bank
1. First, the cardholder needs to clarify the reason for canceling the card to the customer service and fill in the corresponding application form for canceling the credit card. After customer service verifies the cardholder's identity information, the card can be canceled. However, if there are arrears on your credit card, including annual fees, handling fees, etc., you must pay off the corresponding arrears before you can cancel the card.
2. Current CCB credit card users can also directly call the CCB credit card hotline (redirect to manual) or dial 95533 (redirect to credit card customer service). After being connected, directly submit a card cancellation application to the customer service. And provide your relevant identity information so that customer service can verify the information.
3. Generally speaking, when a cardholder applies to cancel the card, customer service will advise you to continue using it. So if you really want to cancel your CCB credit card, you must have a tough attitude. After the customer service has verified the credit card and cardholder information, the card cancellation business can be processed.
How to report suspension of Bank of Communications credit card on mobile phone
1. Log in to the official website of Bank of Communications on your mobile phone, fill in the information online and submit it.
2. Download the Bank of Communications mobile app, find “Apply for Credit Card”, fill in the information and submit.
3. Add the Bank of Communications WeChat official account, then apply for a credit card, fill in the information and submit.
How to report the suspension of your ICBC credit card
Call the ICBC credit card customer service hotline directly and let the manual service help you report the suspension. You need to check your personal information and it is very simple to handle.
No need to report credit card suspension
First, you can contact the credit card customer service number, WeChat customer service or QQ customer service to register for cancellation.
Second, regarding whether suspending or canceling a credit card will affect your credit record
Many people now know that credit cards are linked to their credit records. Whether canceling a credit card will affect your credit is an issue that everyone, including myself, is very concerned about.
The answer is: For credit cards that are used properly and have no overdue records, canceling the card when there is no balance or debt on the card will not have any impact on the personal credit record. However, if the cardholder has an overdue bad credit record while using the card, or if there is an unpaid balance on the card when the card is canceled, it will have an impact on the personal credit record. For credit cards that already have bad records, it is impossible to cancel the card to remove the bad records. The correct approach is: continue to use the card, maintain a good repayment record, and cover the old bad credit record with a new good credit record in the future.
3. Will there be risks if you only cancel the card but not the account?
In order to avoid unnecessary trouble, it is best to cancel the account when canceling the card. In addition, if you only cancel the card but not the account, you will be an old account in this bank, not a new account. Even if you apply again, you will not get the discount for new users.
4. Whether unactivated credit cards need to be canceled
Generally speaking, if a credit card is not activated, there will be no annual fee, but there are some high-end cards and credit cards with special materials, such as high-limit credit cards. As long as the platinum credit card is issued, it will incur an annual fee even if it is not activated. In addition, as long as the card is issued, regardless of whether it is activated or not, it will be reflected on your credit report and occupy your total credit limit. Once there is a record of overdue repayment, it will affect your personal credit report. Therefore, unactivated credit cards should be canceled in time if they are not used. When we apply for a card, we must think clearly whether we need this card.
5. Will everything be fine after canceling the credit card?
After canceling the credit card, be sure to cut the invalid credit card along the magnetic strip to prevent the credit card from being stolen. In addition, if the credit card has been lost and you want to cancel it, to ensure safety, it is best to apply for a loss report first and then cancel it.
6. Do not use the credit card to be closed during the "clearance period". Some banks will need to wait for a "clearance period" of about 45 days when customers cancel their accounts to ensure that there is no delay in transactions with the card. Logout. During this "clearance period", cardholders must be careful not to use their credit cards for any transactions, otherwise the card cancellation will fail.
After the "clearance period" has passed, the bank will automatically cancel the credit card for you. To be on the safe side, you can also call the bank for confirmation.
How to deactivate a credit card on your mobile phone?
Call the customer service number of the credit card center and follow the voice prompts. It should be noted here that some banks do not support credit cancellation over the counter.
There is a 24-hour customer service phone number on the back of the credit card. You can dial the number to cancel. Follow the phone prompts to find a manual service and explain the situation. The customer service staff will help handle it, but they will not cancel it immediately. It takes several on working days.
You can also go to the bank of the credit card to cancel it at the counter. It does not have to be the bank where the account is opened. For example, for a Bank of Communications credit card, you can go to any Bank of Communications to cancel it. But the premise is that you must ensure that the credit card has no outstanding balance before you can cancel it. And it must be in person.
Extended information:
If the credit card is no longer used due to personal reasons, it is recommended to cancel it immediately after paying off the balance. The following situations can be applied:
1. For credit cards that have not yet been opened, you must cancel the card even if you do not plan to activate it. Otherwise, you will still be charged an annual fee every year. It is recommended to cancel the credit card within one month after the card is issued, and no more than 12 months at the latest. What needs to be reminded here is that bank counters do not provide credit card account cancellation services. Most banks require cardholders to call the bank’s credit card center customer service to apply for credit card cancellation over the phone. There is the corresponding customer service phone number of the credit card center on the back of the credit card.
2. For credit cards that have been used normally, the balance must be paid off before the bank can cancel the credit card account. After the bank agrees and registers the account cancellation, the credit card will enter a 6-month freezing period (also called the risk period, the specific time may vary from bank to bank, generally between 45 days and 6 months). During the freezing period, if the If no new debts are incurred on the card, the card will be officially canceled successfully after the freezing period.
3. After successfully canceling the card, it is best to cut off the magnetic card of the credit card yourself. In addition to the situation where the credit card has a debt and cannot be cancelled, there are also people who deposit more money than the debt when repaying. , resulting in a balance on the credit card, and it is impossible to apply for card cancellation. It is recommended that the balance be consumed.
How to cancel the Agricultural Bank of China credit card? How to stop
Hello, for questions about credit card cancellation, please consult our credit card customer service center, service hotline: 4006695599 (for areas where 400 is not available, call 021-61195599; overseas service hotline: 86-21-61195599) ;
Platinum credit card service hotline: 4006195599 (for areas where 400 is not available, you can dial 021-61295599; overseas service hotline: 86-21-61295599).
Warm reminder: "400-" is charged according to local call standards; "021-" is charged according to local call standards in Shanghai, and long-distance charges are applied in other areas.
(Answer time: June 17, 2022. In case of business changes, please refer to the actual situation.)
This is the introduction of how to report the suspension of credit cards.