How to cancel a credit card at Bank of Communications

1. Cancel the branch. Cardholders can go to a Bank of Communications branch and apply for card cancellation at the counter;

2. Cancel the payment via Payba.com APP. Cardholders can log in to the Payout Bar APP, then enter the service hall, click "Online Customer Service", and then enter "Transfer Manual" to cancel the card.

3. Log out by phone. Call Bank of Communications credit card customer service hotline 4008009888. Platinum card customers can call the platinum service hotline 4008666888 and then transfer to manual service to apply for card cancellation.

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

According to different card issuers, they can be divided into bank cards and non-bank cards

Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

Non-bank card.

This type of card can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., used for purchasing tickets, meals, accommodation, entertainment, etc.

According to the different objects of issuance, it can be divided into corporate cards and personal cards

Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, national party and government agencies, military units, groups and other legal entities.

Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income. A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.

According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards

Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.

Gold Card.

Gold card is a high-end credit card that pays high membership fees and enjoys special benefits. Cards are issued to those with higher credit standing, stronger repayment ability and credit, or those with a certain social status. The authorization limit of the gold card starts from a higher level, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.

How to cancel a Bank of Communications credit card and teach you the three steps to cancel it

1. Call the Bank of Communications credit card phone number

2. Make a request to cancel the Bank of Communications credit card

3. Cancellation of Bank of Communications credit card is completely free

1. Call the Bank of Communications credit card phone number, transfer to manual service, and contact the customer service staff of the Bank of Communications Credit Card Center.

2. Make a request to cancel your Bank of Communications credit card. Customer service staff will handle the cancellation procedures for you after verifying your identity. All processes can be completed over the phone without going to a Bank of Communications branch.

3. Note: It is completely free to cancel a Bank of Communications credit card without any cancellation fees.

How to cancel a Bank of Communications credit card

The methods for canceling a Bank of Communications credit card are:

1. Call the Bank of Communications credit card hotline 400-800-9888 to cancel the card. If If there is no debt or balance in your credit card, the customer service will help you cancel the card;

2. Go to the counter of the Bank of Communications branch to apply for card cancellation. After filling in the application form, the bank will send the cardholder’s identity to Submit a copy of the credit card and the filled application form to the head office, and then complete the card cancellation process;

3. To cancel the card online, download the Bank of Communications Credit Card APP "Pay Now" and then find the online customer service and follow the prompts to complete the credit card cancellation step by step. That’s it.

Cancellation of the bank card itself:

To cancel the bank card, you can go to the bank service hall to apply for cancellation, or you can log in to online banking to apply for cancellation. 1. The process of applying for cancellation at the bank service hall is: 1. Find the bank; 2. Submit an application; 3. Check the amount owed; 4. Cancel the card. 1. Find a bank. First find the nearest bank service hall online, and then go to the nearest bank service hall with your ID card and bank card to queue up. 2. Submit an application. Fill out the "Business Application Form" at the bank counter, submit an application for card cancellation, and inform the bank counter staff the reason for canceling the bank card. Then hand your bank card, ID card and business application form to the staff. 3. Inquire about arrears. The counter staff will first check the bank system to see if there are any bills or unsettled business on the bank card to be canceled. If it is discovered that a loan or annual fee has not been repaid, or financial investment products are still in use, the cardholder will be informed to pay off the loan or annual fee, withdraw the financial investment, and then cancel the card. If there is still a balance in the card, you will be asked whether to transfer the balance. At this time, you need to transfer the balance first and then cancel the card. 4. Cancel the card. After transferring the balance or paying the fee, you can cancel the bank card. 2. The process of logging into online banking to apply for cancellation is: 1. Check the amount owed; 2. Log in to online banking; 3. Apply for business; 4. Cancel the card. 1. Inquire about arrears. Use online banking or mobile banking to check whether there is any outstanding balance. If there are any problems such as arrears, deal with them promptly. 2. Log in to online banking. Open the online banking of the card-issuing bank, enter your account password, and log in to the personal account center. Select "Bank Card Management" and find "Cancel Bank Card". 3. Apply for business. Click "Cancel Bank Card" and then select the bank card you want to cancel. Select the mobile phone verification code or online banking dynamic password for identity verification. After verification, fill in information such as the reason for card cancellation. Finally, submit the card cancellation application and wait for the system to approve the card cancellation application. 4. Cancel the card. The approval was passed and the card cancellation was successful.

That’s it for the introduction on how to cancel Bank of Communications credit card.