When the bank credit card is not activated, there are two cancellation methods: 1, cancellation at the bank counter; 2. Call the bank's customer service phone and find the manual operator through independent voice prompts to help with manual cancellation. It should be noted that 45 days after applying for account cancellation, it is necessary to verify whether the credit card is successfully cancelled. If it is not successful, the account will be cancelled again.

The following is a detailed introduction to these two methods:

1. You can handle it at the counter of a bank outlet, bring your ID card and original credit card, and go to the counter of a nearby bank outlet for cancellation on bank working days, and handle the cancellation according to the instructions of the staff. After completion, the bank will arrange cancellation.

2. Call to cancel, call the customer service hotline of the issuing bank, and select manual service. The customer service staff will ask questions to check the identity, ask the reason for returning the card, and then cancel.

Generally speaking, if a credit card is not activated, it will not generate an annual fee and will not affect the credit of the cardholder. Just leave it there, and the credit card will be automatically invalidated when it expires. Usually, credit cards are valid for three years.

After the credit card is cancelled, it must be cut and destroyed to prevent the credit card from being stolen. Because the cancelled credit card still has the risk of being stolen.

After you cancel your card and re-apply for a credit card, the bank will still consider your personal qualifications from all aspects, and will not relax the requirements for card approval just because you have successfully applied for a credit card before. It will also measure the income, change of working status and increase of property after card withdrawal. If there is no income after selling the card, or if you are engaged in restricted industries, even if you have successfully applied for a credit card before, the bank will not grant it to the user again.

How to cancel the credit card if it is not activated?

The method to cancel an inactive credit card is as follows:

1. Call the 24-hour customer service phone on the credit card to apply for account cancellation, and the customer service will cancel the account for you after confirming your identity;

2. Go directly to the bank counter for cancellation procedures, and you need to bring your ID card and credit card;

3. Insert the credit card into the bank ATM 45 days after applying for account cancellation, and then check the status of the credit card;

4. If the card is successfully cancelled, ATM will show that the card has expired; If the credit card can be used normally, you must contact the bank customer service in time, and then cancel the card again.

In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.

Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.

How to cancel the credit card if it is not activated?

Deactivated credit cards can be cancelled by calling the bank to choose manual service, or by taking credit cards, ID cards and corresponding mobile phone numbers to the counters of nearby outlets.

First, credit card activation is generally limited, usually three months or half a year, counting from the date of card verification. If the activation time limit of the issuing bank's credit card is determined, the card surface can be cut directly after the time limit is exceeded, without processing;

Second, inactive credit cards will not charge an annual fee. There are two situations that need attention. First of all, if fast card issuance is selected during card inspection, the first bill will generate an expedited card printing fee regardless of whether the credit card is activated or not. Be sure to pay off, otherwise it will affect your credit information; The second situation is that some special credit cards of some banks will charge a certain business card printing fee. No matter whether the credit card is activated or not, it is necessary to settle this fee before returning the card, which cannot be ignored.

Third, credit card cancellation can be handled at the counter of bank outlets. During counter working hours, you need to bring your original ID card and credit card; A more convenient way to cancel a credit card is to call the customer service hotline of the issuing bank and choose manual service. Customer service staff will simply ask a few questions, ID number, contact number, home address, check identity, the reason for canceling the card, and then cancel it; For the safety of credit card funds, if you don't plan to use an inactive credit card, you'd better cancel it. Remember to cut the card and throw it away after the cancellation is successful.

IV. The specific cancellation methods for inactive credit cards are as follows:

1. Call the 24-hour customer service phone on the credit card to apply for account cancellation, and the customer service will cancel the account for you after confirming your identity;

2. Go directly to the bank counter for cancellation, and you need to bring your ID card and credit card;

3. Insert the credit card into the bank ATM 45 days after applying for account cancellation, and then check the status of the credit card;

4. If the card is successfully cancelled, ATM will show that the card has expired; If the credit card can be used normally, please contact the bank customer service in time, and then cancel the card again.

How to cancel the applied credit card if it is not activated?

The applied credit card has not been activated. The cancellation method is as follows:

1. To cancel at the bank counter, you need to bring your ID card and original credit card.

Second, call the bank's customer service phone, find the human operator through independent voice prompts, and ask them to help you cancel manually. After successful manual cancellation is selected, the credit card will be automatically cancelled in the month following the successful application for manual cancellation.

Because the credit card application is approved by post, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from being stolen, credit cards have card opening procedures before they are officially opened.

Card opening is mainly through telephone or internet. , check the relevant personal information provided at the time of application, and go through the card opening procedures after meeting the requirements. At this time, the applicant becomes the cardholder and can officially start using it after signing on the back of the card. After a credit card is opened, it is generally necessary to set a password for the card.

After accepting a credit card, a credit card merchant or bank shall review the validity of the credit card and the identity of the cardholder.

The credit card has at least the following information on its surface:

Front: name and logo of the issuing bank, credit card type (organization logo) and holographic anti-counterfeiting logo, English or pinyin name, activation date (generally calculated to month) and effective date (generally calculated to month). The chip is attached to the front of the newly issued card, and the chip account and the card magnetic stripe account are two relatively independent accounts.

Back: card magnetic stripe, cardholder's signature column (which must be signed after activation), service hotline, the last four digits or all (to prevent fraudulent use), and credit card security code (the last four digits of the signature column on the back of credit card are used for credit card activation, password management, TV, telephone and online transactions, etc. ).

The merchant and the bank confirm that the credit card is valid and contact the bank for authorization according to the contract signed with the issuing bank. Authorization is the amount that can be used to further prove the identity of the cardholder. Authorization is generally carried out when the usage specified in the contract is exceeded.

After receiving the authorization notice, the issuing bank will issue an authorization instruction according to the balance of the cardholder's deposit account and the agreement that the bank allows overdraft, and reply whether to agree to the transaction.

Credit cards are usually only used by the cardholder himself, and lending them to others is generally a violation of the use contract.

How to cancel an inactive credit card?

The cancellation method for disabling the credit card is as follows:

1. Call the 24-hour customer service phone on the credit card to apply for account cancellation, and the customer service will cancel the account for you after confirming your identity;

2. Go directly to the bank counter for cancellation procedures, and you need to bring your ID card and credit card;

3. Insert the credit card into the bank ATM 45 days after applying for account cancellation, and then check the status of the credit card;

4. If the card is successfully cancelled, ATM will show that the card has expired; If the credit card can be used normally, you must contact the bank customer service in time, and then cancel the card again.

Extended data

I. Precautions for the use of credit cards

1. Credit card, also known as debit card, is a non-cash transaction payment method and a simple credit service. Many friends don't know what precautions novices should take when using credit cards. Let's have a look.

2. Repayment in full and on time is interest-free, and the minimum repayment on time will be charged with interest at the rate of five ten thousandths per day from the date of consumption accounting.

Overdue repayment, in addition to the above interest, there are late fees, know the two important dates of credit cards.

3. If you don't know the monthly billing date (also called reconciliation date) and the final repayment date, you can call customer service. The number of the credit card center is on the back of the card.

4. Ask the bank to send the statement on time every month. If it is not convenient to receive paper letters, let the bank send an email instead to find out the minimum handling fee for each credit card withdrawal.

Second, the credit card application qualification

1. 18 years old, with a stable income, a fixed office address, and the company has a fixed telephone.

2. ID card, work certificate, social security, education certificate, etc.

3. My real-name authenticated mobile phone number and email address.

4. Proof of assets, such as automobile production, real estate and deposit certificate. (Special requirements for quotas).

3. After submitting the credit card information,

1. After the information is submitted, it will be reviewed by the staff of the credit card outlets, and will generally be verified by the company telephone and personal telephone; Some applications will have two spot checks and a return visit.

2. Review time: generally, the review will be completed within 10 working days. After approval, print the card and mail it to the company address.

3. Some banks have opened a quick audit, and the audit results can appear in a short time, but it still takes time to make cards and send them.

Step 4 receive credit cards

1. After receiving the credit card, an introduction will be attached, and the credit card will be activated according to the prompt;

2. Credit card activation methods are divided into: telephone activation, bank APP activation, and business outlet activation;

3. You need to bring the original ID card and credit card to activate the outlets.

4. Keep in mind the billing date and repayment date of the credit card, repay on time and maintain good credit.

How to Cancel an Inactive Credit Card How to Cancel the Inactive Credit Card Cancellation Process

It's getting easier and easier to apply for a credit card now. Many people have actually applied for credit cards, but they can't stand the introduction and temptation of business people, even if there is no actual demand for cards. Therefore, many people do not activate their cards and leave them idle. Mind you, it's dangerous, so it's better to cancel it as soon as possible. So, how to cancel an inactive credit card? The following describes the cancellation process of disabling credit cards.

First of all, if you don't need a credit card and don't activate it, you must cancel it immediately, otherwise it will bring you hidden dangers.

Then, there are two ways to cancel the credit card provided by the bank, and the cancellation of the deactivated credit card is also applicable:

1, bank counter cancellation process

Bring your valid ID card and inactive credit card to any card-issuing bank outlet and ask the staff to cancel the credit card. Many banks cancel credit card business without going to the counter to go through the relevant formalities. There will be a special staff in the lobby to handle it for you, and the staff will ask you to fill out the application form for canceling your credit card.

2, customer service telephone cancellation process

Call the bank's customer service phone directly, choose the process and operation according to the voice prompt, or press "0" directly to switch to the manual service, and apply to the customer service staff for cancellation of the inactive credit card. The customer service staff asks you to verify your identity, and then will accept your cancellation application.

This concludes the introduction of how to cancel the credit card without activation and how to cancel the credit card without activation. I wonder if you have found the information you need?