There are two ways to cancel a credit card:

1. Cancel the card at the outlet. Bring your credit card and ID card to the bank outlet for card cancellation.

2. Call the bank customer service to cancel the card, and remember to cut the card after the card is cancelled.

Credit cards can be cancelled under the following circumstances:

1. The applicant has not received the credit card. The applicant has just applied online, and the bank has not been in a hurry to issue cards or apply through agency channels. The salesperson did not submit the information. At this point, the cardholder can call the customer service center of the card issuer and apply for canceling the credit card. In this case, credit card cancellation is not very important to personal influence.

2. The applicant received an invalid credit card. For a new credit card, if it has not been activated, there is no need to cancel it. The general activation period is one year from the date of issuance. If it is not activated for more than a specified time, the credit card will automatically expire.

3. You are using a credit card. You must be prepared before you cancel your credit card. First, you need to pay off all the debts of your credit card. No matter how much money you save, you have to spend it. Make sure you don't have any extra money in your credit card account, then call customer service according to the voice prompt and apply for canceling the credit card reservation manually. After the next bill date, if your account is flat, that is, not much, not much, then your credit card can be cancelled. Or you can cancel at the counter and bring the necessary documents, ID cards, credit cards and cash. Explain the situation truthfully to the staff.

Main functions of credit card:

1. Credit card is one of the fastest growing financial businesses. It is an electronic currency, which can replace the traditional cash flow to some extent;

2. Credit card has both payment and credit functions. Cardholders can buy goods or enjoy services, or use credit cards to obtain certain loans from card issuers;

Credit card is a high-tech product combining financial business with computer technology.

4. Credit cards can reduce the use of cash and money;

5. Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;

6. Credit cards can simplify the collection procedures and save social labor;

7. Credit cards can promote commodity sales and social needs.

How to return the credit card?

Handling at the outlet counter: the cardholder can go to the outlet counter of the issuing bank with his ID card and credit card, explain to the staff that he wants to handle the card return business, then fill out the card return application form and explain the specific reasons for card return, and the staff will handle the card return after verifying his identity. Customer service telephone handling: the cardholder can call the customer service telephone number of the credit card center of the issuing bank, and transfer to manual service according to the prompt, and then explain to the staff to apply for card return, provide their own relevant information, and the other party will check the information to return the card.

Credit card is a credit certificate issued by commercial banks or credit card companies to qualified consumers.

Two, the form of credit card is a card with the name of the issuer, the validity period, the number, the name of the cardholder and other contents printed on the front. [1] Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

Third, the earliest credit card appeared at the end of 19. In the 1980s, the British clothing industry developed the so-called credit card, followed by the tourism and business sectors. However, at that time, the card could only be used for short-term commercial credit, and the money had to be paid back as needed. There was no long-term default and no credit line. In 1950s, McNamara, an American Manhattan credit expert, dined in a restaurant. Because he didn't bring enough money, he had to ask his wife to send money. This made him feel embarrassed, so he organized DinersClub (English: Diners Club). Members can bring their dining charge cards to 27 designated restaurants for consumption without paying cash. This is the earliest credit card. Franklin National Bank was the first bank to issue credit cards, and other American banks followed suit.

It is said that one day, Frank McNamara, an American businessman, entertained guests in a restaurant in new york. After eating, he found that he forgot to bring his wallet. He was deeply embarrassed and had to ask his wife to bring cash to the restaurant to settle the bill. So McNamara came up with the idea of creating a credit card company. 1 In the spring of 950, McNamara and his friend Schneider jointly invested110,000 US dollars to establish DinersClub in new york, the predecessor of Diners Credit Card Company. Diners' Club provides members with a card that can prove their identity and ability to pay. With this card, members can keep accounts and spend money. This kind of credit card that does not need to be handled by a bank is still a commercial credit card.

Fourthly, another way of saying credit card is that credit card is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm and a thickness of 65,438+0 mm, which are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders do not need to pay cash when using credit cards, and make repayment on the checkout date. Except for some credit cards combined with financial cards, credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct money from users' accounts. 20 12 February, the bank confirmed that the credit card is safer without password, and if it is stolen, it will share the responsibility with the bank. Enjoy an interest-free period of 25-56 days (or 20-50 days). Credit card consumption enjoys an interest-free period, and the bill amount is paid off before the due repayment date, without any cost. There is no interest-free repayment period for cash withdrawal, and five ten thousandths of daily interest will be charged from the date of cash withdrawal, and the bank will also charge a certain percentage of cash withdrawal fee.

How to cancel a credit card

There are two ways to cancel a credit card:

1. Call cancelled. Users can cancel their credit cards directly through the bank call hotline.

2. The bank counter is cancelled. Users can bring personal identification documents to the bank counter to apply for cancellation of credit cards.

Let's not talk about how to refund the credit card.