Credit card cancellation methods mainly include:
1. Issuer's outlet cancellation:
Cardholders can bring their personal ID cards and credit cards to the counter of the offline business hall of the issuing bank, apply for cancellation of credit cards, and go through the cancellation procedures with the help of staff.
2. Cancellation of customer service call:
Cardholders can directly call the customer service hotline of the credit card center of the issuing bank. After the call is connected, they will transfer to manual service according to the telephone voice prompt and apply to the staff for cancellation of the credit card. The staff can cancel the credit card after verifying their personal identity.
3. Go to the counter to cancel the bank card through the bank outlet: all major banks have windows to cancel the credit card and bring personal documents, such as ID cards and credit cards. If the credit card has debt, carry cash and pay off the debt;
4. Cancel the credit card through official online banking: all major banks in China have online banking. You can submit your ID card, credit card and other information, fill in the application for account cancellation, submit the application, and wait for the bank to call you for confirmation;
5. Cancel the credit card through the official customer service phone of the credit card: call the official service hotline of the credit card, transfer to manual service, and let the manual customer service apply for cancellation of the credit card. Before making a phone call, you should pay attention to the fact that the credit card has no arrears and balance, otherwise you can't close the account;
6. Cancel the credit card through the official bank WeChat official account or the official credit card WeChat official account: all major banks in China have official WeChat official accounts. As long as the card is bound and the credit card is cancelled, you can cancel the credit card in the official WeChat account;
7. Cancel your credit card through the official bank APP: All major banks, including credit card service centers, may have their own official website APP, so you can cancel your credit card directly on the website.
How to cancel a credit card account?
1, telephone banking cancelled.
Basically, ordinary credit cards can be cancelled by telephone banking. Of course, some banks may be a little troublesome, while others are different, such as China CITIC Bank and China Merchants Bank, which are very convenient. Note that you can cancel your credit card by phone only if you can cancel it.
2. The bank counter is cancelled.
Going to the bank counter to cancel is also the method used. But pay attention to the following points:
First: bring the necessary documents, such as ID card, credit card, and prepare the money if the credit card owes money!
Second: remember to avoid the rush hour of the bank, so as not to queue for too long and delay your normal work and life.
Third: truthfully explain the situation to the staff. If you really want to return your card, don't change your mind easily
First, before applying for account cancellation and account cancellation, make sure that the points in your credit card have been redeemed to avoid wasting points. Because credit card points are consumer rewards from the issuing bank, you can exchange the corresponding items at the issuing bank. All the points in the card will be cleared after account cancellation and card return, so you must redeem the points before account cancellation and card return to avoid unnecessary losses.
How to cancel the credit card?
The cancellation process is as follows:
1. Call the bank customer service phone to apply for cancellation of the credit card. Note that at this time, bank customer service will generally retain you. If you decide to cancel the card, don't listen to him "fool" and insist on canceling it.
2. There will be a settlement period of 30 -45 days from the telephone application for cancellation to the formal cancellation. Never use a credit card again in the meantime.
3. 40 days after the cancellation, call the bank customer service to confirm whether the cancellation is successful, so as to avoid leaving a bad record for yourself because of the unsuccessful cancellation for special reasons.
4. Don't throw away the cancelled credit card everywhere. Cut the magnetic stripe and discard it to avoid being picked up by criminals and causing losses to yourself.
Extended data
For customers, if they plan to return their cards, it is best to leave time for card return before the next annual fee collection, so as to avoid paying an extra annual fee.
This export card is not the same as canceling the account. Some banks will still keep customer information after canceling the card, and delete all customer information after canceling the account. Therefore, it is suggested that cardholders cancel their accounts while returning their cards, which can not only ensure the safety of personal information, but also enjoy the preferential treatment for new customers when banks open new credit cards in the future.
Phoenix. How can I cancel my credit card?
People's Network-Credit card cancellation does not mean account cancellation.
How to cancel the cancellation of credit card
If customers want to cancel their credit cards, they can directly call the hotline of the issuing bank and turn the "0" key to contact the customer service staff to apply.
If there is an offline business outlet of the issuing bank near the work and residence, the customer can also bring his personal ID card and credit card to the outlet counter to find the staff to cancel the account.
What we need to note is that after applying for account cancellation, the bank will not immediately cancel the account for the customer, but will leave a settlement period of 45 days. After 45 days have passed, it will be confirmed that there is no new bill or overpayment in the card, and then the card will be officially cancelled for the customer.
However, if there are outstanding bills or overpayments in the card, there is no way to cancel the success. Therefore, customers are advised to check the card usage before applying for card cancellation. If there are unpaid bills, they should pay them as soon as possible. If there is any overpayment, please withdraw it first and then apply for cancellation.
How to cancel a credit card
Credit card cancellation process:
First, verify the credit card account.
Before canceling the credit card, the cardholder needs to confirm whether he has paid off all the credit card debts. If not, he should pay off his debts before applying for cancellation of his credit card.
Second, the integral processing
When a cardholder cancels his credit card, he needs to check his credit card points first. According to his current credit card points, he should try to exchange some gifts or phone bills. Don't waste his credit card points After all, this is the points accumulated every time I swipe my card. After canceling the credit card, the credit card points will be cleared.
Third, the pre-sale account
Credit card holders can call the bank's customer service center, go through the pre-cancellation procedures, and officially cancel their accounts at the bank branch counter.
Fourth, officially cancel the account.
The cardholder goes to the bank to apply for account cancellation. After 45 days, the bank needs to confirm that all the debts of the credit card have been paid off before it can close the account.
Verb (abbreviation for verb) card destruction
After the user cancels the credit card, the bank will destroy the card.
Credit card cancellation method:
1. Call the bank credit card center to inquire about cancellation, mainly depending on whether your card is suitable for cancellation and whether there is a balance. When canceling the credit card by telephone, the bank accepts the user's application for cancellation of the credit card after receiving the call, 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.
Second, cancel the credit card at the bank counter. The cardholder must bring his ID card and the credit card to be cancelled to the bank to fill out the card cancellation application form. You can collect the card first, and then do the corresponding cancellation procedures one month later, but you can also make an appointment to cancel the account directly on the day of card cancellation.
In addition, credit card cancellation is divided into card cancellation and account cancellation. It is recommended to cancel the account after returning the card, otherwise there may be some problems in re-applying for the credit card. If there are still points in the credit card to cancel, it is recommended to redeem them all before canceling the card; After submitting the application for card cancellation, the cardholder shall not use the credit card again before it takes effect, otherwise the application for card cancellation will be automatically cancelled; After formal cancellation, cut it along the magnetic stripe of the credit card and discard it to prevent theft.
If the cardholder's credit card limit is very low, and he chooses to cancel the credit card at this time, the cardholder also needs to pay attention to his card holding situation. If you apply for a 1 time credit card, I suggest that you don't cancel it, because with this credit card, you can better support your personal credit. It is very helpful to improve your personal credit by swiping it, and it is also very helpful to apply for credit cards from other banks in the future. If the cardholder holds a large number of credit cards and thinks that his credit card is enough and wants to cancel it, then the cardholder also needs to seriously consider when applying for cancellation. If he holds too many credit cards, it will become more and more difficult to apply for them and it will become easier to cancel them.
How to cancel the credit card?
The process of canceling the credit card:
1. Apply to the issuing bank for cancellation. There are two ways to apply for card refund:
(1) Go to the counter of the local card issuer to cancel the account through online banking or card holding.
(2) Call the customer service hotline of the issuing bank, complete relevant operations according to the voice prompts, and request the customer service to return the card;
2. Cut off the credit card that has been successfully cancelled: In order to prevent the credit card and personal information from being stolen, remember to cut off the abandoned credit card along the magnetic stripe after the card is successfully cancelled. If the credit card is lost when applying for card cancellation, in order to ensure privacy and safety, it is best to apply for loss reporting first, and then go through the formalities of card cancellation.
3. Pay off all the bills, and be careful not to overflow the balance: Before we cancel the card, we should confirm whether we have paid off all the debts on the current card.
4. Waiting for inspection period: The inspection period of banks is generally 45 days, and some banks may be within three months. After applying for cancellation, the credit card will not be cancelled immediately. Generally, all banks will have a "liquidation period" of 45 days. Some arrears may not appear on the bill when applying for card refund. If you owe money, you need to pay it back. After this time, you can confirm whether your application for cancellation is successful.
This concludes the introduction of how to cancel the credit card application and how to cancel the credit card application. I wonder if you have found the information you need?