Credit cards can be cancelled.

To cancel a credit card, you need to pay off all the debts in the credit card, call customer service or use credit card software to apply for cancellation. If the credit card has bill installment, you need to settle the bill installment in advance to cancel it.

If you want to cancel your credit card, you must ensure that there is no debt on the credit card before you can cancel it. Within 30 days after cancellation, it belongs to the hesitation period. As long as you are in this hesitation period, you can call customer service at any time to apply for resuming use.

Related precautions

After the credit card is cancelled, "cancelled" will be displayed on the credit report. After the credit card is cancelled, there is no repayment record, but it will leave traces of cancellation on the credit report. But it has no effect on individuals. If you think your credit card is too small to use, you can apply for cancellation. But canceling multiple credit cards in the same bank is called card cancellation.

If the same bank only has this credit card, then cancellation is called account cancellation. There is still a big difference between returning a card and canceling an account. The cancellation of a card is only the cancellation of a credit card, and the cancellation of an account is the cancellation of all credit cards under the name of a bank. After the cancellation of the card, it will not affect the application for the bank's credit card in the future. However, after the account is cancelled, it is easy to be rejected to apply for a bank credit card again. But for individuals and credit information, there is no impact.

Can I cancel my new credit card?

Of course. New credit cards can be cancelled, but cancellation is not recommended. Because the time when the bank opened your credit card account and the time when you cancelled your credit card are recorded in the credit report, if you cancel your credit card as soon as you get it, the time interval must be very short. The next time you apply for a credit card, the bank will see this time as soon as it checks your credit information, and then it will definitely refuse.

There are many ways to cancel a credit card. Generally speaking, there are several ways for banks to cancel credit cards:

1. Cancel the credit card at the bank branch.

Generally speaking, many people will choose to cancel their credit cards at business outlets, because relatively speaking, canceling their credit cards at business outlets is the most convenient and safest way. Cardholders can directly cancel their credit cards at bank outlets, bring their credit cards and ID cards to be cancelled, and go to the outlets to handle them.

2. Call customer service to cancel the credit card.

Now, no matter what bank's credit card has a customer service phone, so in addition to going to the business outlets to cancel the credit card, you can also choose to cancel the credit card by using the bank customer service phone, call the bank customer service phone to transfer the manual service, and ask the bank customer service to help cancel it. This way of canceling credit cards is more convenient and faster.

Credit cards generally need to be activated before they can be processed, so some credit cards need to be activated before they can be cancelled. Of course, whether it will be automatically cancelled if it is not activated depends on which bank's credit card you are handling. Some bank credit cards have activation time limit. If it is not activated when it expires, the bank will automatically cancel and cannot be activated again.

Extended data:

To apply for a credit card, you need to meet the application conditions:

1. Applicant 18-65 years old, with valid legal status;

2. The applicant is an individual with full capacity for civil conduct and has a good credit record;

3. The applicant has a stable job and income and can repay the loan on time;

Other conditions required by the bank.

Can I cancel my account with a credit card?

Credit card cancellation and account cancellation are two concepts. If you want to completely cancel the credit card account, you need the cardholder to explicitly request the bank to cancel the account, otherwise the bank will generally cancel the credit card and keep the cardholder's account information.

When you completely cancel your credit card account, please note the following points:

1. Settle the arrears in time before closing the account: you must pay off all the arrears before closing the account, and don't go through the formalities of closing the account without settling the arrears, otherwise the account closing will probably fail;

2. Cancel all credit cards before closing the account: if there are other credit cards in the same bank, it is generally not possible to close the account;

3. After the expiration of the effective period of account cancellation, go to the bank to confirm whether the account cancellation is successful: in order to ensure that the user has no arrears when canceling the account, the account cancellation application generally takes effect after 45 days, and the cardholder should contact the bank 45 days after applying for account cancellation to confirm whether the account is completely cancelled.

How to cancel a credit card

Credit card cancellation process:

First, verify the credit card account.

Before canceling the credit card, the cardholder needs to confirm whether he has paid off all the credit card debts. If not, he should pay off his debts before applying for cancellation of his credit card.

Second, the integral processing

When a cardholder cancels his credit card, he needs to check his credit card points first. According to his current credit card points, he should try to exchange some gifts or phone bills. Don't waste his credit card points After all, this is the points accumulated every time I swipe my card. After canceling the credit card, the credit card points will be cleared.

Third, the pre-sale account

Credit card holders can call the bank's customer service center, go through the pre-cancellation procedures, and officially cancel their accounts at the bank branch counter.

Fourth, officially cancel the account.

The cardholder goes to the bank to apply for account cancellation. After 45 days, the bank needs to confirm that all the debts of the credit card have been paid off before it can close the account.

Verb (abbreviation for verb) card destruction

After the user cancels the credit card, the bank will destroy the card.

Credit card cancellation method:

1. Call the bank credit card center to inquire about cancellation, mainly depending on whether your card is suitable for cancellation and whether there is a balance. When canceling the credit card by telephone, the bank accepts the user's application for cancellation of the credit card after receiving the call, and after deducting the annual fee receivable from all the cards under its account, the account balance is zero or the customer explicitly gives up the remaining deposit in the account.

Second, cancel the credit card at the bank counter. The cardholder must bring his ID card and the credit card to be cancelled to the bank to fill out the card cancellation application form. You can collect the card first, and then do the corresponding cancellation procedures one month later, but you can also make an appointment to cancel the account directly on the day of card cancellation.

In addition, credit card cancellation is divided into card cancellation and account cancellation. It is recommended to cancel the account after returning the card, otherwise there may be some problems in re-applying for the credit card. If there are still points in the credit card to cancel, it is recommended to redeem them all before canceling the card; After submitting the application for card cancellation, the cardholder shall not use the credit card again before it takes effect, otherwise the application for card cancellation will be automatically cancelled; After formal cancellation, cut it along the magnetic stripe of the credit card and discard it to prevent theft.

If the cardholder's credit card limit is very low, and he chooses to cancel the credit card at this time, the cardholder also needs to pay attention to his card holding situation. If you apply for a 1 time credit card, I suggest that you don't cancel it, because with this credit card, you can better support your personal credit. It is very helpful to improve your personal credit by swiping it, and it is also very helpful to apply for credit cards from other banks in the future. If the cardholder holds a large number of credit cards and thinks that his credit card is enough and wants to cancel it, then the cardholder also needs to seriously consider when applying for cancellation. If he holds too many credit cards, it will become more and more difficult to apply for them and it will become easier to cancel them.

Can I cancel my credit card if I don't need it? How to cancel?

Bank cards can be cancelled by telephone banking. If the bank card can only be cancelled by phone on the premise that it can be cancelled, you can call the corresponding bank customer and enter++and information according to the prompt to cancel the account. If your card has not expired when you cancel your credit card account, some banks stipulate that you need to go to the designated outlets to receive the card, and then go through the formal account cancellation procedures after a certain period of time (up to 30 days).

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards. In the issuing bank, this method includes: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day. Weizhong Bank POS mobile phone Weizhong Bank POS mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer of credit cards. Immediate account transfer/remittance repayment is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.

Common online platforms for online repayment in China include UnionPay Online, Kuaiqian, Shengfutong, Alipay and Tenpay. Choose different platforms and banks, and the charging standards and specific arrival time are different. Convenience store repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it will arrive in 2~3 working days, and there is no handling fee for repayment in this way. Counter repayment refers to the bank card issued by various networked financial institutions, and the RMB current deposit and withdrawal transactions are conducted through the counters of other bank outlets registered in the host system of UnionPay Trading Center. Xinfutong Repayment "Xinfutong" smart credit card phone is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center and supported by the financial services provided by China UnionPay's inter-bank information exchange network. Repayment Pass uses "Repayment Pass" for repayment, and generally charges fees according to the charging standards for inter-bank transfer in the same city and inter-bank remittance in different places stipulated by the local people's bank.

Can I cancel my account with a credit card? This concludes our introduction. I wonder if you found the information you need from it?