Everyone has at least a few credit cards. But many times, credit cards will become a burden. Or because of the quota, or for some other reasons, for example, there are not a few card friends with a cumulative quota of millions, but the monthly salary is not enough to support the huge water, so they can only raise cards with cards. In the long run, borrowing money is the only way. However, it is undoubtedly the simplest and most effective way to cancel the credit card when there is still time to go back.
Give me a reason to cancel my card?
1. You haven't used some cards for a long time, but the annual fee is still there. Every year is an expense. It is better to cancel the card to save money.
2. Streamline the number of credit cards to prevent the embarrassment that the total credit is too high and the card amount is generally not high. For example, your first credit card has a low quota and a long holding period. It is a good choice to cancel your credit card at this time.
3. Too many cards will affect the application for a new card, and the extra credit cards will be emptied to make room for future credit card applications.
4. You just got a new card, and as a result, you can only save points to buy gifts after brushing the new household gift, which has little effect. If you don't want to continue using it, you can also choose to cancel. Although it will have a little impact on applying for a new card, it is still affordable.
How to break the difficulty of choice?
When you are faced with multiple cancellations, it is never too late to choose. Nail the first card first, or get rid of the pass without hair and flexibility? Thanks to netizens for solving this problem.
1, latest card
Credit cards that have been used for a long time have historical use records, including repayment records of each period, which will be reflected in the credit report and are good personal credit certificates. On the other hand, the bank knows your spending power and credit situation very well, and you will get extra points for handling other businesses in the bank (such as applying for a mortgage).
2. Cards with small amount and difficult to withdraw cash.
The limit is greater than the day, and the male and female servants have said that they are tired. ......
The initial quota is low, and it will not be available after three to five years. Do you want to stay at home for the New Year?
3. Banks with strict risk control
The so-called strict risk control means that as long as your card is used carelessly, it will be downgraded. If you don't agree, the hard-earned high quota will be gone, so that you can experience the sour taste of returning to liberation overnight. Therefore, if there are more bad consumption, banks with strict risk control should sell their cards as early as possible.
4. Spare cards of the same bank
Most banks share the credit card limit. No matter how many cards there are, the limit will not increase, so the excess cards should be cancelled. As for the order of selling cards with banks, we should follow the order of ordinary cards, gold cards and platinum cards. Because if the platinum card is cancelled, it is possible to reduce the amount, because the annual fee of the platinum card is not paid for free, and the bank can make a profit. If you cut off the bank's financial resources, you must not reduce the quota to vent your anger?
In addition, if it is the same card type, cancel the one with low quota first, for the reasons mentioned above.
5. Cancel the card according to the card level.
Sell Puka first, then Gold Card, and finally Platinum Card. Of course, a platinum card is not necessary, so it is best not to move.
6. Idle cards
When the card is idle, does the bank expect you to contribute? This kind of behavior will have certain influence on the application for withdrawal in the future. In addition, for example, some foreign currency cards, all-currency credit cards and other cards suitable for overseas credit cards, as well as some cards with special functions, such as ETC cards and business cards, are also liabilities in their hands, and you can choose to sell them directly.
7. Cards with low equity and low discount
Bonus hunter is a pleasure, and some bank cards have many activities and good rights. Some, you can't pick out wool. People like to use credit cards, largely because they want to obtain corresponding rights or benefits while spending by swiping their cards.
Don't forget to close the account!
Credit card cancellation is divided into card cancellation and account cancellation. After returning the card, there will be a cancellation. If there is demand, it is recommended to cancel the account.
Card cancellation: it is the cancellation of a single credit card under an individual's name. Next time you apply for a credit card from the same bank, you won't be able to enjoy the treatment of new customers.
Account cancellation: it means canceling the whole account, that is, if there are more than one credit card in your account, all the cards will be cancelled. The next time you apply for a credit card from the same bank, you can enjoy the treatment of new customers. Because different banks have different regulations, the time is not necessarily, but 1 year is a common situation.
If you don't care about the treatment of new households, you can cancel your card. After all, many times you don't want to sell all the cards in your account.
The card withdrawal cycle is to urge you to repay.
When applying for card withdrawal, it usually takes a period of time to successfully withdraw the card, which is called "card withdrawal period". In order to avoid bad debts, this cycle allows cardholders to settle all debts within the cycle. The "card return cycle" is generally 45 days.
If there is a credit card balance, whether it is positive or negative, there is no way to cancel it normally, and the cardholder needs to empty the credit card balance.
During the card withdrawal period, the cancelled credit card cannot be used except for normal repayment. If the cancelled credit card still has arrears, and you don't repay it during the card withdrawal period, even if you cancel the card, it will still lead to entering the credit blacklist.
So, to be on the safe side, you should call customer service to ask about the cancellation.
Destroy the magnetic stripe after nailing.
Do you think it's okay after cancellation? In fact, the credit card contains information you can't imagine. Maybe the swipe thief is behind you, ready to grab the trash can and pick up the card. ......
Therefore, after the pin is clamped, the magnetic stripe must be cut and scraped.