How to cancel a Bank of Communications credit card

How to cancel a Bank of Communications credit card

The first prerequisite before canceling a Bank of Communications credit card is to ensure that there is no credit card in the credit card account. It is best not to have a balance when you owe money, otherwise the credit card cancellation will fail.

This is because the Bank of Communications credit card bills are one cycle later than the actual consumption. Therefore, if the cardholder intends to cancel the Bank of Communications credit card, he may wish to wait for two statements after he stops using the credit card. Cancel, especially cardholders who have used the minimum repayment amount to repay.

Generally speaking, Bank of Communications credit cards are mainly canceled by phone. There is no need to go to the counter. First, the credit card phone number of Bank of Communications is 400-800-9888, which will transfer to manual customer service. Users only need to ask the customer service staff To apply for cancellation of a credit card, the cancellation procedure can be completed after the credit card customer service verifies the user's identity.

Finally, I would like to remind everyone that the entries on the canceled Bank of Communications credit card must be cut off or destroyed to avoid falling into the hands of criminals and causing you unnecessary trouble.

Compared with major state-owned banks, the Bank of Communications credit card has a higher initial limit and is relatively easy to apply for. There are also many credit card promotions, such as the most powerful "Red Friday" activity, etc., which can provide cardholders with Offers many benefits. Therefore, it is not recommended to cancel Bank of Communications credit cards easily. In addition, after a Bank of Communications credit card is cancelled, it will be difficult to apply again within a short period of time. If you don’t have a Bank of Communications credit card yet, you might as well apply for one online for free. The process is simple and you can get the card within a week at the earliest.

How to cancel a Bank of Communications credit card

1. Before canceling a credit card, you need to determine whether there are any unpaid debts in the account, and call the Bank of Communications credit card customer service hotline for consultation ;

2. Take your card to the counter of a Bank of Communications outlet and fill out the application form for canceling your credit card;

3. After submitting the application, sign an account cancellation agreement with the bank and confirm it with your signature;

4. The staff will cut the card after checking the information content.

1. Bank of Communications Credit Card is a credit brand product jointly launched by Bank of Communications and HSBC. Its user positioning is "a group of people who have ideals and pursuits in life and career, know how to enjoy, and are more willing to Sometimes there are people who want to study, do business, research or travel abroad. Bank of Communications Credit Card is also a group of people with high living standards who are willing to try new consumption habits. 牍芾恚懔Υ蛟擓男Pang EVERY ú fine 慵巳蛴radon is done After a series of evaluation studies, Bank of Communications positioned the customers of this credit card as: "a group of people who have ideals and pursuits in life and career, and know how to enjoy themselves" , are more willing to work hard and sometimes go abroad to study, do business, research or travel. They are also a group of people with high living standards who are willing to try new consumption habits. "Subsequently, Bank of Communications and HSBC jointly launched the "Chinese People's Bank of China". China'sGlobalCard - "Bank of Communications Pacific Dual Currency Credit Card". Bank of Communications Credit Card is not afraid of hardships and innovation, and has been committed to providing better services and creating a better life for cardholders, making unremitting efforts to help more Chinese people enjoy world-class benefits more easily. On April 18, 2021, Bank of Communications Credit Card announced Wang Yibo as the brand’s global spokesperson through its official Weibo.

3. Bank of Communications World Elite Credit Card, World Elite Credit Card, and Diamond Credit Card are Bank of Communications’ highest-level credit cards. They are the first in the industry to offer annual fee monthly payment services. With a monthly payment of 400 yuan/month, you can enjoy hotel privileges. , sports and business travel and other high-end benefits. 4 nights of star-rated hotel accommodation, 24 times of star-rated hotel swimming and fitness, yoga, equestrian, skating and other high-end sports, year-round family health butler, 12 times of alcoholic driving service, high-end family travel insurance and exclusive concierge service

How to cancel a Bank of Communications credit card?

The cancellation method of Bank of Communications Debit Card is as follows:

1. Apply for cancellation by phone. Users who want to cancel their Bank of Communications savings card need to call the official customer service of Bank of Communications. Then ask the manual customer service to cancel the savings card, and then follow the staff's instructions to cancel the savings card.

2. Log out from the outlet. Bank of Communications savings card holders need to bring their ID card and savings card to the offline Bank of Communications counter to apply for cancellation when they want to cancel their bank card. When handling business, the bank will review the application, and if the cardholder does not owe money, the bank will help cancel it.

3. In addition, it should be noted that if it has been activated, you can call the number on the back of the card to cancel it after paying off the balance. If it is an unactivated Bank of Communications savings card, it cannot be activated more than 45 days after the card is issued. Just call the credit card center to confirm whether it is invalid. If you are still unsure whether your debit card has been canceled successfully, you can call the Bank of Communications customer service number, follow the prompts to select manual service and provide your account number and relevant information to consult customer service.

: 1. What is a Bank of Communications credit card? A Bank of Communications credit card refers to a credit card issued by the Bank of Communications. The Bank of Communications credit card provides cardholders with complete credit card financial services, password signatures, and free choices. The interest-free repayment period can be up to 56 days, which can be used for overdraft consumption and installment payment. It should be noted that bank credit cards can only be used in the consumption field and cannot be used in non-consumption fields such as production and operation, purchasing real estate, purchasing stocks, futures, financial products, repaying debts, and borrowing money.

2. Bank of Communications’ credit card products are named “Pacific”, such as: Pacific Dual Currency Credit Card, Pacific Y-power Credit Card, Bank of Communications Pacific Walmart Credit Card, Bank of Communications Pacific Suning Appliance Credit Card, Bank of Communications Hong Kong New Credit Card World Department Store Credit Card and Pacific Business Card, etc. 1. Platinum Credit Card Bank of Communications Platinum Credit Card strives to provide you with a full range of business travel or family travel services, covering many exclusive services such as airport lounges, alcohol-based driving, roadside assistance, high-value family travel comprehensive protection, etc., to provide you with Platinum life experience.

2. Standard credit card Bank of Communications standard credit card provides comprehensive credit card financial services, password signature, free choice, interest-free repayment period up to 56 days, and has "privileged life" and "exclusive privileges" "Superior" and many other preferential plans allow you to enjoy the endless fun of swiping your card.

3. Y-POWER Credit Card Y-POWER has two unique card surface designs: Force Black and Vibrant White, allowing you to choose your attitude and show off your splendor. Y-POWER gives you strong backing, and strong strength comes from the heart!

4. Hong Kong New World Department Store Credit Card Bank of Communications Hong Kong New World Department Store Credit Card is a co-branded card jointly launched by Bank of Communications and Hong Kong New World Department Store, including gold cards and regular cards.

How to cancel a Bank of Communications credit card

You can directly call the Bank of Communications credit card phone number and transfer to manual service, and ask the customer service staff at the Bank of Communications Credit Card Center to cancel the Bank of Communications credit card. The customer service staff will After verifying your identity, you can go through the cancellation procedures. All procedures can be completed over the phone without going to a Bank of Communications branch.

It should be reminded that before canceling a Bank of Communications credit card, you need to ensure that there is no debt in your account and there is no balance; there is a 45-day extension period after canceling the card. During this period, if New bills also need to be repaid, and credit cards cannot be used. After 45 days, as long as the account has been settled, the card will be officially cancelled.

Or bring your ID card to the counter to fill out the form and cancel the card. But this will be slower. It is not recommended that you do this. However, no matter what method you use to cancel the card, it is recommended that you call 800 again to check whether the card has been cancelled.

If the credit card is no longer used, please cancel it in time, otherwise it will have the following effects:

1. It is best to cancel the credit card after paying off the loan, because there will be annual fees every year;

2. If you don't repay the annual fees after they are incurred, it will also cause trouble for your credit report and affect your ability to get loans to buy a house in the future.

How to cancel the account of an inactive Bank of Communications credit card?

Cancellation of bank card:

Cancellation can be done over the phone or at the bank.

Credit cards can be canceled through telephone banking. The credit card must be canceled before it can be canceled by phone. Call the corresponding bank customer and enter ++ and information according to the prompts to cancel the account.

Cancellation at the bank counter:

(1) Bring valid documents, such as ID card and credit card.

(2) Go to the bank to get the reservation number and queue up

(3) Explain to the service staff that you want to cancel your account, give your credit card to the bank staff, and fill out the relevant application.

(4) Credit card account cancellation is completed.

Note:

If the credit card is lost, you need to apply for a new credit card first, and then cancel the account. The replacement card will require a card fee;

Credit card account cancellation is required Take out the balance on the card and make sure there is no outstanding balance on the card.

Bank of Communications’ personal business includes: savings deposits, personal loans, foreign exchange services, financial planning, investment services, insurance services, convenience services, wealth management, private banking and other services.

The company's business includes: banking engineering, tax payment, cash management, asset custody (securities investment fund custody, national social security fund asset custody, insurance fund custody business, securities dealer++/directional asset management plan custody , enterprise annuity custody, international custody, trust fund custody, private equity fund custody, etc.), investment banking and financing business (accounts receivable transfer, guarantee business, loan commitment letter, credit certificate, buyer or agreement interest-paying bill discount business, Commercial bill discounting, foreign government loan on-lending business, this++ fixed asset loan, export tax rebate account custody loan, legal person account overdraft, this++ working capital loan, interbank credit asset buyout business and interbank credit asset repurchase business)< /p>

Small business user services include: loan application, one-stop entrepreneurship, business development, one-stop Zhuoye, investment and financing, tax financing, science and loan, hand-in-hand and Huinongtong services.

International business includes: He-interbank services, Tong-international business services, Hui-foreign exchange financial services and Bao-foreign exchange trading services, etc.

(Data source: Baidu Encyclopedia: Bank of Communications)

I don’t want to use my Bank of Communications credit card now, how can I cancel the card?

Cancel the phone banking. Just dial the phone number on the back of the credit card and get through to a customer service representative to cancel the card. The customer service staff will ask you some questions, such as why you are not using it anymore, etc.

. Cancellation at the bank counter. Going to the bank counter to cancel is also an option. Make sure to bring the necessary documents, such as ID card and credit card. If you owe money on your credit card, you should also have money ready!

Cancellation shall be handled at the designated bank business office. If you are not sure where to cancel your credit card, please call the official customer service for consultation in time.

Extended reading:

Meet the conditions for cancellation: If your credit card debt has not been paid off, or the annual fee has not been paid, or there is a balance, you cannot cancel it. Certain banks' credit cards have other requirements. Therefore, be sure to call and ask the official customer service of the credit card.

Reference: Bank of Communications Credit Card Official Website

That’s it for the introduction of how to cancel the Bank of Communications Credit Card account.