What is the cancellation process for CCB credit card?
The CCB credit card cancellation process is:
1. The cardholder must bring his/her valid ID to a CCB outlet to cancel the bank card over the counter;
2. Cancel the credit card through the official online banking of China Construction Bank. The specific process is as follows:
Take the computer: Lenovo Savior Y7000, Winds10/browser: 10.8.4506.400, and the official website of China Construction Bank as an example.
1) Log in to the official website of China Construction Bank and click Personal Banking;
2) Click to terminate online banking services;
3) Fill in personal information, account information, and verification as required Delete the account after passing.
3. Cancel the credit card by calling the CCB official credit card customer service hotline 95533;
4. Cancel the credit card through the CCB official APP.
Take Apple 11, iOS14.7, and China Construction Bank APP5.6.0.002 as examples
1. Log in to the China Construction Bank APP and click Account
2. Click Delete Account
3. Fill in personal information and account information as required, and delete the account after passing the verification.
China Construction Bank Long Card Credit Card is a credit card brand with 90 million customers. It adheres to the customer-centered concept and provides customers with professional financial services and convenient payment experience. There are more than 100 credit card products in multiple series, including Dragon Card Family Love Card, Global Popular Card, Tencent Game Card, etc., to meet customers' various consumption needs such as domestic and overseas transactions, family care, and installment financing. Special offers such as Dragon Card Saturdays, cash rebates for overseas purchases, and a variety of installment products help customers manage finances easily and consume smartly.
China Construction Bank Credit Card Interest:
Interest-free repayment period: The interest-free repayment period refers to the interest-free period for consumer transactions that cardholders who repay in full on time enjoy , the interest-free period starts from the bank accounting date to the repayment date, with a minimum of 20 days and a maximum of 50 days. Overdraft cash withdrawal transactions do not enjoy the interest-free repayment period.
Note:
If the payment is not repaid in full before the due payment date, you will not enjoy the interest-free period. China Construction Bank will charge interest at a daily rate of 5/10,000 and compound interest on a monthly basis. The interest accrual date is from the date of consumption to the repayment date, and the interest accrual principal is calculated based on the actual amount payable.
If the repayment is not repaid before the repayment due date or the repayment amount is less than the minimum repayment amount, China Construction Bank will not only charge interest according to regulations, but also charge 5% of the unpaid portion of the minimum repayment amount. Late payment fees.
How to cancel a credit card in China Construction Bank
There are two ways to cancel it:
1. Cancellation by phone: directly call the official customer service hotline of China Construction Bank Credit Card and transfer to manual service Submit an application for credit card cancellation to the customer service and explain the reason for canceling the credit card to the customer service. After the customer service completes the identity verification, the card can be canceled.
2. Cancellation at the counter: Bring your personal identity document and credit card directly to the counter of a China Construction Bank branch to handle the cancellation procedure for your credit card.
It should be noted that when canceling a credit card, it cannot be canceled if there is arrears. In addition, after canceling the credit card at the bank, there is a 45-day waiting period. During this period, the user cannot use the credit card for consumption, but can repay the loan. Once a new bill is generated, the credit card cannot be canceled successfully.
Extended information:
Virtual credit card cancellation matters:
1. Virtual credit card cancellation must be handled by yourself and cannot be done by others. You must understand it clearly before canceling. Regarding cards, some virtual credit cards have independent accounts, while others are attached to physical cards. This needs to be treated differently. If the account is independent, you can cancel it directly, but if it is an affiliated account, you can only cancel the card.
2. Regardless of card cancellation or account cancellation, virtual credit card cancellation must be done with no debt and balance, that is, all debts on the card must be paid off without any overpayment;
3. Like physical cards, virtual credit cards also have a 45-day transition period. You must ensure that there are no arrears or balances during this period, otherwise the cancellation will not be successful.
4. Virtual credit cards are relatively secure. If you just don’t want to use the card, there is no need to cancel the card. You can turn off the use switch of the virtual card and enable it again when you want to use it. , this operation is more convenient.
Credit card application:
If customers want to apply for a credit card, they can directly bring their personal ID and proof of income (such as bank statements, pay slips) and other relevant information to the selected bank's online store. Go to the counter of the business outlet and ask the staff to apply for a card, then get the application form to fill in, and then hand the completed form together with the information to the staff, and then just wait patiently for the bank's review
After the bank approval is completed, it will naturally send a message to notify the customer. If the approval is passed, the bank will print a card for the customer and then mail the prepared card to the customer. Customers can activate it after receiving the card.
Of course, in addition to applying at branches, customers can also apply directly on the bank's official website, mobile banking client or credit card APP. However, everyone needs to be aware that if you apply for a credit card from a bank online for the first time, you may have to go to the bank for an interview later.
Customers should pay attention to keeping the phone open after submitting the card application, because some banks may call the customer to ask for some relevant information during the review. In this regard, if the call is not received in time, it may have a certain impact on the card approval.
Credit card limit increase:
When applying for a credit card, the bank will approve the limit based on the applicant's comprehensive qualifications, and the credit card can also be used to increase the limit. The method is as follows:
1. Use more credit cards to spend money
If you want to increase your credit card limit, you should use more credit cards to make purchases. Try to use your card where you can. It is best to keep the credit card before applying for the limit increase. Have a stable consumption record for several months, and it is best to make about 20 transactions every month. The merchants where the card is swiped should also be diversified.
2. Appropriate installment arrangements
Appropriate installment arrangements are conducive to credit card limit increases, but it is best not to make the installments too long. 3 to 6 installments are enough, and the installments are The amount should not be too large either. For example, it is very suitable to apply for installment after consumption during some holidays, and the success rate of increasing the amount is also high.
3. Keep good card usage records
If you want to increase your credit card limit, good card usage records are essential, because if you have a bad record on your credit report, you will not be able to increase your credit limit. Yes, so when repaying a credit card, you must pay it back on time to avoid overdue payments and avoid illegal operations such as cashing out.
How to cancel a CCB credit card
Canceling a CCB credit card:
1. Processing at the counter
If the credit card has not expired, You need to apply first and then go to the bank counter to cancel the account; if the credit card has expired and there is no outstanding balance on the account, you can directly go to a China Construction Bank branch to cancel the account. However, if there is an outstanding balance, the balance must be paid before the account can be closed. When canceling the account, the cardholder should bring the original ID card and credit card. If the cardholder is inconvenient to handle the account cancellation procedure, he or she can ask someone else to do it for him or her. The agent must hold a power of attorney written by the cardholder and bring the original ID card to handle the account cancellation business.
2. Telephone processing
Cardholders need to call the China Construction Bank credit card hotline for processing. After dialing, you need to switch to manual processing. When the manual is connected, you can directly apply for account cancellation and provide your relevant information. After the customer has verified the information and there is no debt, the account can be canceled normally.
China Construction Bank is a large state-owned bank managed by the central government and a deputy ministerial-level unit.
China Construction Bank's main business areas include corporate banking, personal banking and treasury services. It has branches and subsidiaries in 29 countries and regions, and owns funds, leasing, trusts, life, property and casualty insurance, investment banking, futures, and pensions. subsidiaries in many industries.
1. How many days is the grace period for CCB credit card?
The grace period for CCB credit card repayment is 3 days. After cardholders use CCB credit cards to make purchases, they can defer repayment for three days after the bill payment date. This is the repayment grace period provided by CCB to cardholders. As long as the current arrears are paid off within these three days, CCB will not upload the record to the Credit Reference Center of the People's Bank of China and will not impose penalties.
2. Depending on the level of the card, what is the general credit limit of CCB’s credit card?
1. The credit limit of CCB’s regular card is generally between RMB 3,000-10,000.
p>
2. The credit limit of China Construction Bank Gold Card is in the range of RMB 10,000-50,000.
3. The credit limit of China Construction Bank Platinum Card is generally more than 50,000 yuan.
3. How to increase the limit of CCB credit card
1. Increase the limit based on the number of times. Use the credit card frequently. Regardless of the amount, as long as the card can be swiped, you will definitely swipe the card.
2. Persistently increase your quota and continue to apply for quota increase over the phone. Sometimes different customer service applications will be handled differently.
3. It is best to raise the amount based on the winning amount. The monthly bill consumption should be at least 30% of the total amount.
4. Threatening to cancel the card and raise the limit. If the limit is not increased, the card will be canceled. This sometimes works.
5. Temporary quota increase. Due to short-term needs such as festivals, tourism, business trips, etc. to increase the quota, you can apply for a temporary quota increase, which will be easier to approve.
6. Dormant suspension type increase, intentionally deactivating a credit card for a certain period of time, in order to encircle the bank, there are certain incentives for the activation of dormant cards, such as reward increases.
7. Curve limit increase type. Curve limit increase refers to the purpose of increasing the total personal limit by continuously applying for credit cards from the same bank.
8. If you have the spending power to raise funds through foreign exchange transactions, you can use foreign exchange transactions to make deposits and withdrawals back and forth to increase the number of transactions for the purpose of making profits.
How to cancel a China Construction Bank credit card
How to cancel a China Construction Bank credit card:
1. Cancellation by phone: Call the CCB credit card customer service hotline (generally there will be a sign on the credit card) Contact information), dial and transfer to manual service, explain your intention to cancel the credit card, and then follow the customer service instructions to perform the corresponding operations and confirm the information.
2. Outlet cancellation: Just go to a China Construction Bank branch directly with your ID card and credit card, and cancel according to the requirements of the bank staff.
However, when canceling the card, you must make sure that there are no outstanding balances or overpayments on the credit card, and that there is no annual fee owed. This is something you should pay special attention to. After the CCB credit card account is closed, the points will also be cleared at the same time, so you can redeem the points before canceling the card to use up the points to avoid wasting them. Because when canceling a credit card, the cardholder needs to explain the reason for cancellation. If a CCB credit card needs to be applied again after cancellation, the relevant review department of CCB will consider the previous reasons for cancellation, so re-applying for a CCB credit card after canceling the card within a short period of time will not be accepted. of. It usually takes 6 to 9 months before you can apply again.
A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.
Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the bill date.
Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.
Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000). On May 25, 2021, the Supreme People's Court issued and implemented the "Regulations of the Supreme People's Court on Several Issues Concerning the Trial of Bank Card Civil Cases".
How to cancel a CCB credit card
How to cancel a CCB credit card:
To handle the credit card account cancellation procedure, the cardholder needs to call CCB after settling the card account. The bank customer service hotline is 95533 (for overseas please call 86-28-95533) to handle account cancellation registration.
After the registration is completed, the user needs to cut the magnetic stripe of the card by himself (virtual cards such as E-pay cards do not need to be cut because they do not have physical cards). If there is no new account payable within 45 days, it will be officially cancelled. household.
Extended information
After the China Construction Bank credit card account is officially closed, the card will not be activated again. Users who still need to use the China Construction Bank credit card need to apply again.
If the credit card is an IC chip card and there is a balance in the electronic cash account, electronic cash consumption can be made at the acceptance terminal with the UnionPay QuickPass logo within the validity period of the card. You can use the electronic cash account balance first before contacting us. China Construction Bank handles credit card account cancellation.
Family joint account cancellation process:
The joint family account cancellation business requires the joint account holders to apply for cancellation at any outlet in the same city where the account is opened with their valid identity documents and family cards. Business, the bank will take back the family card that has been issued. After all joint card cancellations have been completed, the account leader can cancel the family account.
China Construction Bank - How to cancel a credit card
China Construction Bank - What is the process for canceling a family joint account
How to cancel a CCB credit card
If the customer wants to cancel the CCB credit card account, please settle the card account, call the CCB customer service hotline 95533 (for overseas please call 86-28-95533), press the # key, and then follow the voice prompts. Select "3 Credit Card Services" to handle account cancellation registration. After registration is completed, if there are no new accounts payable within 45 days, the account will be officially closed. After officially canceling the account, customers are asked to cut the magnetic stripe of the card by themselves (virtual cards such as E-pay cards do not need to be cut because they do not have physical cards).
(In case of business changes, please refer to the actual situation.)
This is the introduction of how to cancel a credit card in CCB.