Credit card application for cancellation can be handled by telephone or in the business hall.
Cancel the bank credit card by phone:
(1) The main card of a credit card must be cancelled by the cardholder of the main card, and the secondary card can be cancelled by the cardholder of the main card or the cardholder of the secondary card.
(2) If a secondary card is hung under the account, the user will cancel the secondary card after canceling the credit card.
(3) When handling a credit card, the user who paid the deposit should first go to the card issuer's outlet to cancel the pledge, and then cancel the credit card.
(4) If a user conducts a deposit transaction within 30 days from account cancellation to formal account cancellation, he/she must bring his/her ID card when handling the card to the card-issuing business outlet for account cancellation.
(5) After the credit card is successfully cancelled, the user needs to destroy the unused credit card by himself. Destruction methods include cutting corners, punching holes and other ways to destroy the magnetic stripe.
Deactivation of bank outlets: you need to bring your ID card and credit card to a nearby bank outlet to cancel your credit card.
How to stop payment of bank of communications credit card
There are several ways to stop the card:
1, mobile phone cancellation
To cancel the bank of communications credit card, you must first dial the bank of communications credit card number, and then transfer to the manual service to apply for cancellation of the bank of communications credit card to the telephone customer service staff. However, before canceling the credit card, you should make sure that the account has no debt and no balance, then call the credit card customer service number, switch to manual service, and apply for canceling the credit card directly from the manual customer service.
2. Cancel the bank counter
Take your ID card, bank card and other necessary documents, go to the bank counter, fill out the application form for card cancellation and sign it, then you can stop the credit card.
Extended data:
1. It's best to cancel unused credit cards.
If you have a credit card that you don't use frequently, you'd better cancel it. Because many credit cards charge an annual fee every year, you can avoid the annual fee only if you swipe it enough times. If you are forgotten in a few years, you may receive a large bill for no reason.
In addition, as long as the credit card is issued, whether it is activated or not, it will be reflected in your credit report and occupy your total credit line.
2. All funds must be settled when the card is cancelled.
To cancel your credit card, you must pay off your account debt. The arrears are not enough, and the annual fee must be settled. The annual fee is not settled, and the account balance must be cleared, even if there is a balance!
It should be noted that most banks have a policy of exempting annual fees if they brush enough times a year. If you don't have enough credit cards, you can't get rid of the annual fee. If you can't remember the credit blacklist, you must pay the annual fee, otherwise you will leave a bad record.
Think carefully before canceling the card, you may have to bid farewell to this bank.
In some cases, the cancellation of credit cards will affect the re-application. When you really want to cancel a credit card, you have to confirm with yourself again and again whether you really want to say goodbye to this bank.
Some people think that the credit card limit just opened is too low, so they will cancel it directly if they don't want to use it, which will affect the next card application. At present, most banks in China require consistent ID cards. After canceling the card, it takes six months to apply for a new credit card, and you must choose another credit card.