Credit card cancellation process:

First, verify the credit card account.

Before canceling the credit card, the cardholder needs to confirm whether he has paid off all the credit card debts. If not, he should pay off his debts before applying for cancellation of his credit card.

Second, the integral processing

When a cardholder cancels his credit card, he needs to check his credit card points first. According to his current credit card points, he should try to exchange some gifts or phone bills. Don't waste his credit card points After all, this is the points accumulated every time I swipe my card. After canceling the credit card, the credit card points will be cleared.

Third, the pre-sale account

Credit card holders can call the bank's customer service center, go through the pre-cancellation procedures, and officially cancel their accounts at the bank branch counter.

Fourth, officially cancel the account.

The cardholder goes to the bank to apply for account cancellation. After 45 days, the bank needs to confirm that all the debts of the credit card have been paid off before it can close the account.

Verb (abbreviation for verb) card destruction

After the user cancels the credit card, the bank will destroy the card.

Credit card cancellation method:

1. Call the bank credit card center to inquire about cancellation, mainly depending on whether your card is suitable for cancellation and whether there is a balance. When canceling the credit card by telephone, the bank accepts the user's application for cancellation of the credit card after receiving the call, and after deducting the annual fee receivable from all the cards under its account, the account balance is zero or the customer explicitly gives up the remaining deposit in the account.

Second, cancel the credit card at the bank counter. The cardholder must bring his ID card and the credit card to be cancelled to the bank to fill out the card cancellation application form. You can collect the card first, and then do the corresponding cancellation procedures one month later, but you can also make an appointment to cancel the account directly on the day of card cancellation.

In addition, credit card cancellation is divided into card cancellation and account cancellation. It is recommended to cancel the account after returning the card, otherwise there may be some problems in re-applying for the credit card. If there are still points in the credit card to cancel, it is recommended to redeem them all before canceling the card; After submitting the application for card cancellation, the cardholder shall not use the credit card again before it takes effect, otherwise the application for card cancellation will be automatically cancelled; After formal cancellation, cut it along the magnetic stripe of the credit card and discard it to prevent theft.

If the cardholder's credit card limit is very low, and he chooses to cancel the credit card at this time, the cardholder also needs to pay attention to his card holding situation. If you apply for a 1 time credit card, I suggest that you don't cancel it, because with this credit card, you can better support your personal credit. It is very helpful to improve your personal credit by swiping it, and it is also very helpful to apply for credit cards from other banks in the future. If the cardholder holds a large number of credit cards and thinks that his credit card is enough and wants to cancel it, then the cardholder also needs to seriously consider when applying for cancellation. If he holds too many credit cards, it will become more and more difficult to apply for them and it will become easier to cancel them.

How can I cancel my credit card if I don't need it?

The main methods for canceling credit cards are as follows:

1. The bank card can be cancelled by telephone banking. If the bank card can only be cancelled by phone on the premise that it can be cancelled, you can call the corresponding bank customer and enter the information according to the prompt to cancel the account.

2. Bank cancellation:

① Determine the working hours of the bank. Office workers are generally free only on weekends, while bank outlets have different rest periods. It is recommended to call the bank customer service first.

② Bring all relevant certificates. The most important documents are ID card and bank card. If the bank card has handled online banking business, it may have an online banking secret card and a network shield, and it is also necessary to bring it.

③ Determine the balance in the card. To determine whether there is a balance on the card, you can go to the ATM or the counter to check. Generally speaking, if there is a balance, the window staff at the bank counter will take it out.

(4) Bank number to be processed. Tell the lobby manager to cancel the account, and the lobby manager will help you get the number directly.

Sign your name on the counter. When handling at the counter, submit your ID card and bank card, and the bank manager will handle it directly. In the process of handling, there is a confirmation form for account cancellation that needs to be signed for confirmation.

6 Remember to destroy the bank card after successful cancellation! After signing for confirmation, the bank manager will cut the card with scissors and copy it on the copy. After copying, they will return the relevant certificates, signature slips and cut cards, thus successfully closing the account.

3. In addition, the cancellation of bank cards in different places does not have to go to the opening bank, and the regulations of each bank are different and should be handled according to the regulations of each bank. At present, the National Bank has many branches, and each bank has many regulations. Details are as follows:

Agricultural Bank, China CITIC Bank, Huaxia Bank and other banks expressly stipulate: No, the memory card can be cancelled in different places, and only the bank that opened the card can be returned. China Construction Bank, China Merchants Bank and China Everbright Bank stipulate that accounts can be closed in different places, but if you want to withdraw the money from the bank card, you must pay the relevant fees according to the withdrawal from different places.

At the same time, many banks have introduced policies to break the country of origin, such as Bank of Communications, China Construction Bank and China Merchants Bank. For account cancellation, including account cancellation in different places, you only need to bring your ID card at any counter, but you need to pay a certain handling fee.

Extended data:

1. If the bank card is lost, you need to reissue a bank card first, and then cancel the account, and the card fee is required to replenish the card; 2. Bank card account cancellation must take out the balance on the card and ensure that there is no debt on the card, and the last payment of the debt exceeds 45 days before the account can be officially closed. 3. Idle bank cards cannot be thrown away. The person in charge said that this may lead to the disclosure of personal information, and in case it is used by criminals, it may also cause unnecessary losses and security risks. If someone else has mastered the card and password of the credit card, the original cardholder may bear the corresponding debt.

How to cancel the credit card?

The cancellation process is as follows:

1. Call the bank customer service phone to apply for cancellation of the credit card. Note that at this time, bank customer service will generally retain you. If you decide to cancel the card, don't listen to him "fool" and insist on canceling it.

2. There will be a settlement period of 30 -45 days from the telephone application for cancellation to the formal cancellation. Never use a credit card again in the meantime.

3. 40 days after the cancellation, call the bank customer service to confirm whether the cancellation is successful, so as to avoid leaving a bad record for yourself because of the unsuccessful cancellation for special reasons.

4. Don't throw away the cancelled credit card everywhere. Cut the magnetic stripe and discard it to avoid being picked up by criminals and causing losses to yourself.

Extended data

For customers, if they plan to return the card, it is best to unlock the card in advance and it takes time to return the card. Leave time to return the card before the next annual fee collection to avoid paying an extra annual fee.

This export card is not the same as canceling the account. Some banks will keep customer information after canceling the card, but all customer information will be deleted after canceling the account. Therefore, it is suggested that cardholders cancel their accounts while returning their cards, which can not only ensure the safety of personal information, but also enjoy the preferential treatment for new customers when banks open new credit cards in the future.