call the credit card customer service hotline to cancel the credit card: there is a 24-hour customer service phone on the back of the credit card. Customers can cancel their credit cards by calling. After the customer makes a phone call, he will find an artificial customer service staff to explain the specific situation according to the relevant telephone prompts, and the customer service staff will assist in handling it. However, it will take several working days and cannot be cancelled immediately. (Reminder: some banks don't support the cancellation of credit cards at the counter)
Cancel at the counter of credit card bank: customers can cancel their credit cards at the counter of credit card bank, not necessarily the opening bank. For example, the credit card of Bank of Communications can be cancelled at any Bank of Communications counter. The premise is that the customer must guarantee to settle the credit card arrears, and I will personally handle the cancellation business.
if you stop using your credit card for personal reasons, you should cancel it in time to avoid being used maliciously.
1. For the credit card that has not been opened, if the customer does not intend to activate it, it is also necessary to cancel the credit card, otherwise the customer will pay an annual fee. It is recommended to cancel the credit card in time within one month after issuing the card, no later than one year. Most bank counters do not provide credit card cancellation service. Cardholders need to call the bank credit card customer service number to apply for cancellation of their credit cards (the 24-hour customer service number can be seen on the back of the credit card).
2. after the cancellation of the credit card, the credit card will enter a six-month freeze period, also known as the risk period (the situation of different banks may be different, generally between 45 days and 6 months). During the freezing period, the customer has no new arrears, and the card will be officially cancelled after the freezing period.
3. According to historical records, the earliest credit card appeared at the end of 19th century. In the 198s, the British clothing industry first developed credit cards, and then the tourism and business sectors followed suit. At that time, cards could only be used for short-term commercial credit, and they could not be in arrears for a long time, and there was no so-called credit line.
generally speaking, the shape of a credit card is usually a card with a length of 85.6mm, a width of 53.98mm and a thickness of 1mm, and the name, number and other related contents of the card issuer will be printed on the front, and the signature strip will be printed on the back. Cardholders can use their cards to make purchases from some specific units, and they can enjoy certain preferential strength. The first bank to issue credit cards was Franklin National Bank in California, USA. As early as 1952, they seized the opportunity and became the first bank to issue credit cards. Since then, many banks have issued their own bank cards, and this queue is getting bigger and bigger. In 196s, bank credit cards have been welcomed by all walks of life and developed rapidly. Credit cards have become popular in many countries. In the 196s, credit cards had been developed for more than 5 years and were widely used in most countries around the world. In 198s, credit cards officially entered the China market and developed rapidly.