How to return the credit card

The cardholder can bring his ID card and credit card to the branch counter of the issuing bank, explain to the staff that he wants to return the card, then fill out the card return application form, explain the specific reasons for returning the card, and wait for the staff to verify his identity before returning the card. Customer service telephone handling: the cardholder can call the customer service telephone of the credit card center of the issuing bank, and then transfer the manual service according to the prompt, and then explain to the staff to apply for card withdrawal, provide their own relevant information, and then return the card after the other party checks the information.

1. A CreditCard is a credit certificate issued by a commercial bank or a credit card company to a consumer with qualified credit.

2. The form of credit card is a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front. [1] Consumers with credit cards can go to the special commercial service department for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the specified amount.

third, the earliest credit cards appeared at the end of 19th century. In the 198s, the British clothing industry developed the so-called credit card, and the tourism and business sectors also followed this trend. However, at that time, the card could only be used for short-term commercial credit, and the money still had to be paid as needed, and there was no long-term default and no credit line. In 195s, McNamara, an American Manhattan credit expert, dined in a restaurant. Because he didn't bring enough money, he had to ask his wife to send money. This made him feel very embarrassed, so he organized DinersClub (English: Diners Club). Members can charge their expenses by bringing a dining charge card to 27 designated restaurants without paying cash. This is the earliest credit card. Franklin National Bank was the first bank to issue credit cards, and other American banks followed suit.

It is said that one day, Frank McNamara, an American businessman, entertained guests at a restaurant in new york. After eating, he found that he had forgotten his wallet with him, so he was deeply embarrassed and had to call his wife to bring cash to the restaurant to settle the bill. So McNamara came up with the idea of creating a credit card company. In the spring of 195, McNamara and his good friend Schneider jointly invested 1, US dollars to establish DinersClub, the predecessor of Diners Credit Card Company, in new york. Diners' Club provides members with a card that can prove their identity and ability to pay. With this card, members can keep accounts and spend money. This kind of credit card that does not need to be handled by a bank is still a commercial credit card.

fourth, another way of saying credit card is that credit card is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.6 mm, a width of 53.98 mm and a thickness of 1 mm, which are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders do not need to pay cash when they use credit cards, and they will make repayment on the settlement date. Except for some credit cards combined with financial cards, general credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct funds from users' accounts. In February 212, the bank confirmed that credit cards are safer without passwords, and if they are stolen, they will share the responsibility with the bank. Enjoy an interest-free period of 25-56 days (or 2-5 days). Credit card consumption enjoys an interest-free period, and the bill amount will be paid off before the due repayment date, and no expenses will be incurred. There is no interest-free repayment period for cash withdrawal, and five ten thousandths of daily interest will be charged from the day of cash withdrawal, and the bank will also charge a certain percentage of cash withdrawal fee.

How to return the credit card you just applied for

It may be troublesome to return the credit card you just applied for, so I suggest you cancel it directly. Cancellation will not have any impact on individuals, and it is very simple. Cardholders only need to call the bank's customer service hotline to cancel, and the bank's customer service will handle it after verifying the relevant information.

the newly applied credit card will not generate any fees if it is not activated. However, it is necessary to pay attention to whether this credit card is a high-end credit card, because many high-end credit cards will also generate annual fees if they are not activated. At this time, whether the card is returned or cancelled, the annual fee needs to be returned, otherwise the user's credit information will be affected.

in order to avoid the situation that the credit card just applied for is not used, users had better think clearly before applying for a credit card, and whether they need this credit card or not. If the user is useless because the credit limit is too low, it is completely unnecessary at this time, and the credit card limit can be continuously increased through later use.

when applying for a credit card, users can go through the bank official website, and through the bank official website, they can learn more about the rights and interests contained in this credit card and know how to use the rights and interests. In this way, you can save more money when using this credit card at ordinary times, but you must repay it on time after using the credit card.

how do I cancel my credit card?

There are two ways to cancel the credit card:

1. Cancel the card at the outlet, and apply for card cancellation at the bank outlet with your credit card and ID card.

2. Call the customer service phone of the bank to cancel the card, and remember to cut the card after the card is cancelled.

The credit card can be cancelled under the following circumstances:

1. The applicant has not received the credit card. The applicant has just applied online, and the bank has not been in a hurry to send a card or apply through the agency channel. The salesman didn't submit the information. At this point, the cardholder can call the customer service center of the card issuing office and propose to cancel the credit card application. In this case, the cancellation of credit cards has little effect on individuals.

2. The applicant has received an invalid credit card. For a new credit card, if it has not been activated, there is no need to cancel the card. The general activation period is one year from the date of issuance. If it is not activated for more than a specified time, the credit card will automatically expire.

3. Credit card in use. You must be prepared before you cancel your credit card. First of all, you need to pay off all the debts of your credit card. If you save more money, you should also spend it. Make sure that there is no more than a penny in your credit card account, and then call customer service according to the voice prompt to manually apply for canceling the credit card reservation. After the next billing date, if your account is flat, that is, not much, not much, then your credit card can be cancelled. Or you can cancel at the counter and bring the necessary certificates, ID cards, credit cards and cash. Explain the situation truthfully to the staff.

Main functions of credit card:

1. Credit card is one of the fastest growing financial businesses. It is an electronic currency that can replace the traditional cash flow to some extent;

2. Credit cards have both payment and credit functions. Cardholders can buy goods or enjoy services, or use credit cards to obtain certain loans from card issuers;

3. Credit card is a high-tech product that combines financial business with computer technology.

4. Credit cards can reduce the use of cash and money;

5. Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;

6. Credit cards can simplify the collection procedures and save social labor;

7. Credit cards can promote commodity sales and++social demand.

that's enough for the introduction of how to refund a credit card.