After a credit card is canceled, the bank will not take it back. It can be collected by you personally, but you need to pay attention to the following matters:

1. Cancellation of a credit card does not leave a "tail". Cancel the credit card whether through telephone banking or When you go to the bank counter to apply, in addition to preparing relevant documents and cards, you must also ensure that there is no outstanding balance in the card. If the deposit amount is small and you no longer want it, you must explain it to the staff and ask them to clear it.

2. Do not throw away the credit card after cancellation. The canceled card still contains a lot of personal information, and can be used in some places that only need the card number, so you must not throw it away. If you do not need to collect it, you should put it away. After the magnetic strip is cut, it is handed over to the bank counter, where it is specially crushed. If you want to be lazy, at least cut the magnetic strip into several sections.

3. Call the bank to check the cancellation status after 46 days. Whether you cancel by phone or over the counter, you should call the bank to check the cancellation status after 46 days. Only after confirmation can the cancellation be considered successful.

Extended information:

Security issues in the use of credit cards

Because credit cards are convenient and fast to use, and coupled with the rapid development of science and technology, credit cards require consumption first and payment later. mechanism, the security faced.

The problem is becoming increasingly serious, and major international credit card groups and global card-issuing financial institutions are facing severe challenges. The security issues of credit cards are mainly divided into the following five aspects:

Credit cards: Criminals or criminal groups use fake or invalid cards (expired/lost and invalid/tape damaged...etc.) to pretend to be genuine cards for consumption. Directly deceiving merchants or card issuers.

Cardholders: Poor storage/handling of cards (expired/invalid credit cards are not destroyed, or lost cards are not immediately invalidated, etc.), and personal identity information is unintentionally stolen or defrauded. To avoid such problems, citizens should not easily provide personal identity information to others, and it is best not to entrust others to handle credit cards on their behalf.

Consumer merchants: Service staff overcharge cardholders during their consumption process, or steal their credit card information to make purchases at other merchants. This situation can happen whether it is a physical merchant or an online virtual merchant.

Card issuer: The computer system was maliciously invaded and the customer's basic/transaction information was stolen. There are also some unscrupulous things such as internal employees of the organization who commit theft or possess supernatural powers.

Reference materials:

Baidu Encyclopedia-Credit Card