Method or process for canceling a Bank of Communications credit card

To cancel a Bank of Communications credit card, call the customer service hotline to apply for cancellation. After the application is successful, it can be officially canceled after 45 days. To apply for cancellation, you must Pay off all outstanding debts.

Some people use new good credit records to cover their previous bad credit records. Because the method of canceling the card or canceling the account will not erase the bad credit record. Even if you pay off the debt when you cancel the card or cancel the account, no new records will appear, and the old records will always be there.

Before canceling a credit card or canceling an account, you must check whether there is any unpaid balance in the card. In addition to the balance shown in the account, you must also check the annual fees and interest, etc. Because debts that arise after the card is cancelled, there is a high chance that they will become overdue repayments, and this bad credit record will be uploaded to the personal credit report later.

How to cancel a transportation credit card?

Question 1: The method or process for canceling a Bank of Communications credit card is to call the customer service number on the back of the card. The attitude is firm and they say I will transfer it to you. They say I will transfer it to you every time. If you can't answer the call, or you are busy, you should be firm when you call the second time and say that the line is busy every time after calling several times, and the customer service person who answers the phone will cancel your card for you.

Question 2: I no longer want to use my Bank of Communications credit card. How can I cancel the card? I can apply to cancel the card by calling the 24-hour customer service hotline. There must be no outstanding balance in the account when canceling the card, and to ensure the security of the account, the card must be with you when canceling the card over the phone. If the card is lost, it can only be canceled at the branch counter. If there are new accounts payable within 45 days (inclusive) of card cancellation, you will still be responsible for it. After 45 days of card cancellation, if there is no outstanding balance or overflow in the account, the system will automatically cancel the account without any formalities

Question 3: How to cancel a Bank of Communications credit card? You can apply for card cancellation by calling the 24-hour customer service hotline. There must be no outstanding balance in the account when canceling the card, and to ensure the security of the account, the card must be with you when canceling the card over the phone. If the card is lost, it can only be canceled at the branch counter. If there are new accounts payable within 45 days (inclusive) of canceling the card, you will still be responsible for it. If there is no outstanding balance or over-deposit in the account 45 days after the card is canceled, the system will automatically cancel the account without any procedures.

Question 4: Can the newly activated Bank of Communications credit card be canceled? I used to be a salesperson...

I'll answer you one by one...

1. You need to pay two annual fees.

2. Each one It takes 6 times.

3. Cancel one card. It is best to cancel the one with the lower limit. If the two have the same amount, it doesn’t matter which one. It will not affect the credit limit.

4. There will be no annual fee for canceled cards.

PS. I typed all the words myself...so tired

Your addition Answer to the question

You can cancel another card at any time within a year..

Question 5: If you no longer want to use the Bank of Communications credit card and want to cancel it, you can call the 24-hour customer service Apply for card cancellation via hotline. There must be no outstanding balance in the account when canceling the card, and to ensure the security of the account, the card must be with you when canceling the card over the phone. If the card is lost, it can only be canceled at the branch counter. If there are new accounts payable within 45 days (inclusive) of card cancellation, you will still be responsible for it. If there is no outstanding balance or over-deposit in the account 45 days after the card is canceled, the system will automatically cancel the account without any procedures.

Question 6: How can you quickly cancel a Bank of Communications credit card? Just call the Bank of Communications service hotline, select the credit card business, select manual, and cancel. The premise is that there is no outstanding balance or deposit in your credit card.

Question 7: Can the Bank of Communications credit card be canceled by calling the bank credit card? The cancellation method is as follows:

Telephone banking cancellation:

All credit cards can be canceled by telephone banking. Logout. Only when the credit card can be canceled can it be canceled by phone. Call the corresponding bank customer and enter the information according to the prompts to cancel the account.

Cancellation at the bank counter:

(1) Bring valid documents, such as ID card and credit card.

(2) Go to the bank to get the reservation number and queue up

(3) Explain to the service staff that you want to cancel your account, give your credit card to the bank staff, and fill out the relevant application.

(4) Credit card account cancellation is completed.

Note:

If the credit card is lost, you need to apply for a new credit card first, and then cancel the account. The replacement card will require a card fee;

Credit card account cancellation is required Take out the balance on the card and make sure there is no outstanding balance on the card.

To sum up, banks operating in Changzhi City can be deregistered in Taiyuan City. You can log out through the above methods.

Question 8: How to cancel a Bank of Communications credit card (detailed process) Things to note: 1. Before canceling a Bank of Communications credit card, please make sure there is no debt in your account and no balance; 2. If you have a Bank of Communications credit card that you do not intend to use or that has not been activated, please cancel it in time. Unactivated Bank of Communications credit cards are also charged annual fees. Click here to view: Bank of Communications Credit Card Annual Fees (Charging Standards). 3. When you cancel a Bank of Communications credit card, the customer service specialist may offer you various discounts to retain you. Please be mentally prepared in advance and prepare the corresponding reasons;

Question 9: What can be provided when canceling a Bank of Communications credit card? reason? There will be no adverse effects. It can be brought up. Or don’t keep it at home. Because both cards have been activated and the credit limit is shared, there is no difference.

You haven’t used credit cards very much. You must not keep them at home. Annual fees will be deducted. There is no need for any excuse. Just say that the two cards are troublesome and you don’t want to use them anymore, so cancel one. I just logged out and there was no problem.

Happy card use!

Question 10: How to cancel the application for Bank of Communications credit card? Let me tell you. You have to wait until the bank calls you to make it clear that you are not going to do it. You are determined and the reason is that you are about to leave the city where you are. I went to other places, now I have no job, I have been fired from the company and other negative negatives, etc., but it is not 100% successful. The Bank of Communications is very rubbish. I was like this before. I made it clear that I would not do it, and the credit bureau also agreed. After 20 days, I fainted and the card was removed. However, I called to cancel it, but the customer service said that I cannot cancel it without opening the card, and there is no annual fee. I haven't opened the card yet, so I am treating it as a sleep card. It is recommended to apply for a Ping An Credit Card and it also comes with insurance, which is something other banks cannot offer. Even if you take a car or take the bus, it is very good. As long as the credit card is not canceled, the insurance will always be valid.

What should I do if the Bank of Communications credit card is subject to risk control and it is recommended to cancel the card?

After a credit card is subject to risk control, it can be divided into two situations:

① It can be used after risk control

② It cannot be used after risk control

When you find that the bill cannot be installmentd, or the limit has been reduced, or you receive a bank card warning text message, but you can still use your card to make purchases, this is a minor risk control.

If your credit card is subject to transaction restrictions and you can no longer swipe the card for consumption, the card will be blocked directly. This is a serious risk control.

1. Call customer service

After your credit card is risk-controlled, you can first call the customer service of the card-issuing bank to inquire about the specific reasons why the credit card was risk-controlled, and then take corresponding solutions.

2. The number and amount of card swiping

Be sure to pay attention to the number and amount of swiping the card. It is very bad if you max out the card every time you swipe the card, or swipe the entire amount. , and the bank will suspect that you are cashing out illegally!

3. Place of consumption

Try to use your credit card to make purchases in large shopping malls and supermarkets. This can prove that you are using the card normally.

4. Complain to the bank

Complain to the bank to lift the risk control and resolve credit card risk control. You need to explain the consumption situation to the bank and provide credit card consumption vouchers, including credit card receipts and invoices. Waiting for bills.

Towards the end of the year, if you have difficulties, the mini program "Xiao Zhizhi will help you". But be sure not to frequently and suddenly empty your credit card, or frequently make large integer purchases, etc. These may cause the bank to conduct risk control on your credit card.

How to cancel a Bank of Communications credit card

You can directly call the Bank of Communications credit card phone number and transfer to manual service, and ask the customer service staff at the Bank of Communications Credit Card Center to cancel the Bank of Communications credit card. The customer service staff will After verifying your identity, you can go through the cancellation procedures. All procedures can be completed over the phone without going to a Bank of Communications branch.

It should be reminded that before canceling a Bank of Communications credit card, you need to ensure that there is no debt in your account and there is no balance; there is a 45-day extension period after canceling the card. During this period, if New bills also need to be repaid, and credit cards cannot be used. After 45 days, as long as the account has been settled, the card will be officially cancelled.

Or bring your ID card to the counter to fill out the form and cancel the card. But this will be slower. It is not recommended that you do this. However, no matter what method you use to cancel the card, it is recommended that you call 800 again to check whether the card has been cancelled.

If the credit card is no longer used, please cancel it in time, otherwise it will have the following effects:

1. It is best to cancel the credit card after paying off the loan, because there will be annual fees every year;

2. If you don't repay the annual fees after they are incurred, it will also cause trouble for your credit report and affect your ability to get loans to buy a house in the future.

Bank of Communications Credit Card Cancellation Process

Bank of Communications Credit Card Cancellation Method:

Method 1: Call the Bank of Communications Credit Card customer service hotline: 8009888888, transfer to manual service, and contact Bank of Communications Credit Card The customer service staff of the center made an application to cancel the Bank of Communications credit card.

Method 2: Go to the Bank of Communications branch to find an account manager to complete the procedures. The cardholder is required to fill out a "Bank Card Account Cancellation Application Form". After filling it out, the counter will stamp it to verify the identity and keep it on file. The bank will give you a receipt, and the bank will conduct various loan verifications to confirm that you have not After the balance is owed (including handling fees, etc.), it will take about 7 days to destroy the account, clear the record, and cancel the credit card.

The difference between credit card account cancellation and card cancellation

1. The number of cancellations is different. Credit card cancellation only cancels the current card. If it is a non-main card cancellation, it will not affect the use of other cards. Credit card account cancellation means canceling all credit cards under the same account, for example, canceling all secondary cards under the primary card.

2. Different meanings. Canceling a credit card does not clear the credit card account information. Canceling a credit card directly deletes the account and clears the points, bills and other information on the card.

3. The card can be restored after canceling it. If you choose to cancel the credit card, because the account is retained, the credit card can be restored after cancellation. If you choose to cancel your account with a credit card, you will be deleting your account directly, so your credit card cannot be restored after cancellation.

If the cardholder wants to cancel the credit card, he can call the bank's customer service number and then transfer to manual service, or he can cancel the card at a bank branch.

The two concepts are completely different

(1)

1. After the credit card is canceled, your information is still stored in the bank, but this credit card cannot By using it, you are still an old customer of the bank.

2. After the account is closed, all your information except bad information on the bank will be cleared. If you are an old customer, you will become a new customer after the account is closed.

If you will still do business with this bank in the future, it is recommended to go through the card cancellation procedures; if you no longer use the bank's business in the future, you can go through the account cancellation procedures.

(2) Credit card cancellation and account cancellation may seem similar, but they are actually two completely different concepts. Because the meaning of card cancellation is that you have canceled a credit card in a certain bank, but it is possible that you still have other credit cards in this bank. In other words, the bank will still retain all the account opening information for you. This situation is called card cancellation.

But account cancellation is different. Canceling an account means that you have to cancel all credit cards in a certain bank, and you will also cancel your personal account. This bank will delete all your personal information after closing the account, which means that if you want to apply for a new credit card, you need to fill out all the procedures again. Of course, if you have bad records such as overdue credit on your credit card, it will be recorded even if the account is closed.

How to cancel a Bank of Communications credit card

The methods for canceling a Bank of Communications credit card are:

1. Call the Bank of Communications credit card hotline 400-800-9888 to cancel the card. If If there is no debt or balance in your credit card, the customer service will help you cancel the card;

2. Go to the counter of the Bank of Communications branch to apply for card cancellation. After filling in the application form, the bank will send the cardholder’s identity Submit a copy of the credit card and the filled application form to the head office, and then complete the card cancellation process;

3. To cancel the card online, download the Bank of Communications Credit Card APP "Pay Now" and then find the online customer service and follow the prompts to complete the credit card cancellation step by step. That’s it.

Cancellation of the bank card itself:

To cancel the bank card, you can go to the bank service hall to apply for cancellation, or you can log in to online banking to apply for cancellation. 1. The process of applying for cancellation at the bank service hall is: 1. Find the bank; 2. Submit an application; 3. Check the amount owed; 4. Cancel the card. 1. Find a bank. First find the nearest bank service hall online, and then go to the nearest bank service hall with your ID card and bank card to queue up. 2. Submit an application. Fill out the "Business Application Form" at the bank counter, submit an application for card cancellation, and inform the bank counter staff the reason for canceling the bank card. Then hand your bank card, ID card and business application form to the staff. 3. Inquire about arrears. The counter staff will first check the bank system to see if there are any bills or unsettled business on the bank card to be canceled. If it is discovered that a loan or annual fee has not been repaid, or financial investment products are still in use, the cardholder will be informed to pay off the loan or annual fee, withdraw the financial investment, and then cancel the card. If there is still a balance in the card, you will be asked whether to transfer the balance. At this time, you need to transfer the balance first and then cancel the card. 4. Cancel the card. After transferring the balance or paying the fee, you can cancel the bank card. 2. The process of logging into online banking to apply for cancellation is: 1. Check the amount owed; 2. Log in to online banking; 3. Apply for business; 4. Cancel the card. 1. Inquire about arrears. Use online banking or mobile banking to check whether there is any outstanding balance. If there are any problems such as arrears, deal with them promptly. 2. Log in to online banking. Open the online banking of the card-issuing bank, enter your account password, and log in to the personal account center. Select "Bank Card Management" and find "Cancel Bank Card". 3. Apply for business. Click "Cancel Bank Card" and then select the bank card you want to cancel. Select the mobile phone verification code or online banking dynamic password for identity verification. After verification, fill in information such as the reason for card cancellation. Finally, submit the card cancellation application and wait for the system to approve the card cancellation application. 4. Cancel the card. The approval was passed and the card cancellation was successful.

That’s it for the introduction of the recommended cancellation of transportation credit cards.