1. Credit card cancellation can only be applied after paying off the account arrears. Bring your ID card and credit card to a nearby ICBC outlet to cancel your credit card.
2. After the application is submitted, the card will only be frozen, and the account can be officially cancelled after 45-60 days without new arrears. The interest that may be generated by the current credit card arrears will not be recorded on the settlement date of next month. Even the bank staff can't find it, so there will be interest paid off. So please confirm that there is no debt on the card, call the customer 95588 to cancel the card, and then pay attention to the bill notice.
3. Pay attention to whether the annual fee-free condition of the card in the current year is met. If not, it can only be cancelled after meeting them. Otherwise, the annual fee may be recorded at the end of the year, causing unreasonable losses.
1. Generally speaking, direct cancellation of credit cards will bring certain risks to credit card holders. Relevant people believe that commercial banks are mainly to prevent moral hazard. On the one hand, after the cardholder cancels the credit card, the information on the magnetic stripe of the credit card still exists. If criminals collect personal information and re-submit a credit card application to the bank, there may be a risk of theft. On the other hand, if some illegal cardholders intentionally report the loss of their credit cards to the bank, cancel them directly, and then restore their credit cards by other means, the bank will face certain risks.
2. If the credit card holder does not want to pay the loss reporting fee and wants to cancel the loss reporting directly, the following related issues need to be considered:
Please wait 46 days and then confirm the cancellation. Credit card cancellation is usually handled through telephone banking, but telephone banking was not successful at that time. Generally, the cardholder calls the bank to confirm whether to cancel the account 46 days after returning the card, so as to prevent the bank from successfully returning the card for some reasons, but the cardholder thinks that the account cancellation is successful, causing unnecessary trouble. Future.
Secondly, pay off all the money quickly. This debt includes not only the account debt, but also the annual fee. If we only pay attention to the former and ignore the latter, the cardholder's card may be in arrears after cancellation. So be sure to ask when you cancel the card. You can't leave a penny in debt. When canceling a credit card, cut the magnetic stripe short. In some places, a complete card may still be used only by card number. The safest way is to discard fragmented credit cards in different places.