In fact, it is very clear in the bank’s acquiring contract that credit cards are not allowed to be lent to others. If the bank finds out, they will punish you. Moreover, with credit card borrowing, all responsibility lies with the cardholder. So your behavior is undesirable.

If someone else takes your credit card, how do you stop using it?

First change the password and report the loss of the card.

If you no longer want to use it for others, call customer service and change your credit card password. This person cannot use your card. Then I told the bank customer service that the card was lost. After requesting a freeze, report the loss and apply for a new card, so that the new card will be mailed to your billing address. If the card cannot be received at the billing address, simply tell customer service a new address and have the new card mailed to this new address. The card will be returned to you, but the new card number will be different from the old card number. When repaying, be sure not to repay the money in the old card number. Otherwise it will be very troublesome. You can unbind the old card and bind the new card for repayment. Just cancel the old card after receiving the new card.

Second: Write it off directly after repayment.

You can negotiate with the other party, ask the other party to pay off the credit card balance, and then call customer service to cancel. If you can't negotiate with the other party, you can only pay off all the credit card debt yourself, and then call customer service to apply for cancellation. Payoff here refers to the total credit card debt, not the current credit card bill. If you have a credit card installment, you need to end the installment in advance before you can apply for credit card cancellation. If you don't want to pay off your credit card, negotiate with the other person to have them pay it off. But if the other party does not agree, in case of overdue, the bank will only ask the cardholder, that is, you, to repay the credit card, not the person who uses this credit card.

Third, apply to freeze your credit card.

If you simply don’t want the other party to use it, you can call customer service directly and apply to freeze the credit card. Then, after the credit card statement is made, you can pay it off according to the bill amount. If you still want to use the bank's credit card after paying it off, you can call customer service and ask them to report the loss and get a replacement. They will issue you a new card, but the bank will charge a loss reporting fee and a replacement card fee. Some high-end platinum cards can reduce these fees. Of course, you can also apply for a second card, and the bank will issue you a new card after re-examination. However, applications for a second card may be declined. The second cards of most banks are approved in seconds, which can save you the cost of reporting a loss and replacing the card. After receiving the new card, just cancel the old card.

So, to summarize, the methods for deactivating a credit card include: changing the password, freezing the credit card, reporting the loss, canceling the card after repayment, and applying for a second card after freezing. Related questions and answers: