After canceling a China Merchants Bank credit card, you cannot continue to use it. However, after canceling a China Merchants Bank credit card, you can still log in to online banking to view accounting information, and the original card can still receive repayments or refunds.
Therefore, after canceling a credit card, you should still pay attention to whether the credit balance has been paid off.
Credit card cancellation method:
Cancel via telephone banking.
Basically, general credit cards can be canceled through telephone banking. Of course, some banks may be a little troublesome, while others are different. For example, China CITIC Bank, China Merchants Bank, etc. are very convenient. Please note that the credit card must be able to be canceled before it can be canceled by phone.
Cancellation at the bank counter.
Going to the bank counter to cancel is also an option. But please pay attention to a few points:
First: Bring necessary documents, such as ID card, credit card, and if you owe money on your credit card, also prepare money!
Second: Remember to avoid the peak hours of the bank to avoid waiting in line for too long and delaying your normal work and life.
Third: Explain the situation to the staff truthfully. If you really want to cancel the card, don’t change your mind easily.
Cancellation shall be handled at the designated bank business office.
Of course, since there are still differences in the regulations of various banks on credit cards, and there are many types of credit cards, some banks will have clear regulations on the cancellation of certain credit cards. Therefore, if you are not sure where to cancel your credit card, please call the official customer service for consultation in time.
It is not recommended to cancel credit cards casually.
Credit cards are one of the manifestations of personal credit. The annual fee requirements for current credit cards are very low. You only need to swipe the card a few times a year to avoid the handling fee for the next year. This is very easy to do. Yes, there is no need to cancel the card for the annual fee.
Of course, some people may have forgotten to pay back the money they owe on their credit cards, have credit problems, and the bank may require you to cancel the card. Note, as long as you repay the money you owe the bank and maintain a good credit record in the future, you will be fine. If you cancel your credit card, you won’t be able to apply for it again next time.
Of course, you must learn to use credit cards rationally and swipe them rationally. If you can’t control your random swiping behavior, it’s better to cancel it!
After 45 days, it is best to go to an ATM and try. If the card is successfully canceled, it should show that the card has expired when the card is inserted. Otherwise, the logout is not successful.
In order to affect the repayment of canceled cards, you should pay attention to some details. When repaying a credit card, be sure to explain it to the staff, accurate to the minute. Then wait until the next billing day to see if there is any new interest, and pay it back immediately if there is. After repayment, you must remember to cancel the online banking information in time. If it is not convenient to cancel online, you can go to a nearby branch to cancel. This will prevent you from unnecessary losses.