What to do if the credit card is no longer used

The credit card is no longer used: For unopened credit cards, even if you do not intend to activate the card, you must cancel it, otherwise you will still be charged an annual fee every year Yes, it is recommended to cancel the credit card within one month after the card is issued, and no later than 12 months. Generally, bank counters do not provide credit card account cancellation services. It is not ruled out that some bank counters can provide such services. However, most banks require cardholders to call the bank's credit card center customer service to apply for credit card cancellation over the phone. If you no longer want to use your credit card, you must cancel it, remember! Otherwise, the bank will continue to charge annual fees and record the annual fees as overdue year by year. This will not only cause interest and late payment fees, but also affect the holder's personal credit!

Go to the bank counter to apply for credit card cancellation. The counter staff will conduct a comprehensive check on all interest charges on the canceled credit card;

Confirm at the bank that there are no arrears, including annual fees. After that, you need to fill in the relevant application form and submit the cancellation application through the counter system after being authorized by the authorized person;

4 At this time, the credit card information enters the pre-cancellation state, and the bank will set up a system for canceling the credit card account. There is a one-month "regret period". If the customer does not apply for reinstatement within one month, the system will automatically cancel the credit card officially. At this time, the customer does not need to go to the counter to handle the procedures. 1. If a canceled cardholder no longer wants to use a certain bank's credit card, he or she can apply to the bank for cancellation and terminate all usage rights of the credit card. Cancellation means canceling the credit card, but the bank still retains personal account opening information. Generally, after a card is canceled, it can be re-opened within a short period of time. 2. Account cancellation: After the customer cancels all credit cards of the bank, he or she then applies to the bank to cancel his or her account. After the account is closed, all information except bad credit information will be deleted. 1. After canceling the card, the customer is still an old customer of the bank and no longer enjoys the bank's new customer card discount. After canceling the account, the customer is equivalent to a new user. If you apply for a card again, you can enjoy new customer discounts.

2． After a credit card is canceled, the magnetic stripe information remains. After closing the account, all information will be gone and the credit card will be completely invalid.

How to deal with unused credit cards

Credit cards should be canceled when they are no longer used. Cardholders can call the customer service hotline of the credit card center of the issuing bank to apply for cancellation of the credit card.

If you want to continue using it, as long as you make purchases with the card the number of times specified by the bank, there will be no annual fee the following year.

After using the credit card, make sure there are no outstanding debts and balances before canceling it.

There is a 45-day cycle for canceling a credit card. Do not use the credit card again during this cycle, otherwise the credit card will be in debt during this period and it will be recorded on the personal credit report.

If you no longer want to use your credit card, what should you do?

If you no longer want to use your credit card, you must cancel it! Otherwise, the bank will continue to charge annual fees and record the annual fees as overdue year by year, which will not only cause interest and late payment fees, but also affect the holder's personal credit score. Go to the bank counter to apply for credit card cancellation. The counter staff will conduct a comprehensive check on all interest charges on the canceled credit card;

After the bank confirms that there is no outstanding balance including annual fees, the relevant application form needs to be filled out. After being authorized by the authorized person, a cancellation application is submitted through the counter system; at this time, the credit card information enters the pre-cancellation state. The bank will have a one-month "regret period" for credit card account cancellation, and the customer does not make a request within one month. The recovery application system will automatically cancel the credit card officially. At this time, the customer does not need to go to the counter to complete the procedure.

1. If the credit card is no longer used due to personal reasons, it is recommended to cancel it immediately after paying off the balance.

1. For credit cards that have not yet been opened, even if you do not plan to activate them, you must cancel the card. Otherwise, you will still be charged an annual fee every year. It is recommended to cancel the credit card within one month after the card is issued, and no later than 12 months. What needs to be reminded here is that bank counters do not provide credit card account cancellation services. Most banks require cardholders to call the bank’s credit card center customer service to apply for credit card cancellation over the phone. There is the corresponding customer service phone number of the credit card center on the back of the credit card.

2. For credit cards that have been used normally, the balance must be paid off before the bank can cancel the credit card account.

After the bank agrees and registers the account cancellation, the credit card will enter a 6-month freezing period (also called the risk period, the specific time may vary from bank to bank, generally between 45 days and 6 months). During the freezing period, if the If no new debts are incurred on the card, the card will be officially canceled successfully after the freezing period.

3. After successfully canceling the card, it is best to cut off the magnetic card of the credit card yourself. In addition to the situation where the credit card has a debt and cannot be cancelled, there are also people who deposit more money than the debt when repaying. , resulting in a balance on the credit card, and it is impossible to apply for card cancellation. It is recommended that the balance be consumed.

2. Depending on the situation, non-payment is not allowed. If the cardholder fails to pay the annual fee on time, the bank will regard this as an overdue repayment and report this record as a negative record. The personal credit database of the People's Bank of China is retained for a certain number of years.

How to use credit cards and what to do with unused credit cards?

How to use credit cards and what to do with unused credit cards?

After a credit card is opened, it can be used as a payment tool for direct consumption through the POS machine installed by the merchant. The credit card can also be spent first and then repaid, but you must pay attention to the repayment time and repay on time.

There are two ways to cancel a credit card:

1. Cancel via telephone banking. Most credit cards can be canceled through telephone banking.

2. Go to the relevant bank counter to fill in the card cancellation application form to cancel the credit card. You need to bring your ID card and the credit card that needs to be canceled.

There are two situations for canceling a credit card:

First, if this card is no longer used and needs to be replaced with a new card, then you only need to cancel the card.

In this way, it will be much easier to apply for other cards. Because the points are bound to the account, you can still enjoy the previous points when you apply for a credit card again.

The second is: If you don’t use this card and won’t use it for a long time, apply for a credit card from this bank. Then you must choose to cancel the card and account. In addition to personal credit stains, you must completely clear your account information in the bank.

In this way, you can also enjoy new customer benefits and discounts when you apply for a credit card in the future.

You should also pay attention to the following matters when canceling your account:

Before canceling the card, you must pay off any fraction of the previous debt or repayment balance. If your credit card is lost, it is recommended that you report the loss first and then cancel the account.

The cancellation time of some banks is about 45 days. During this period, be sure not to use your credit card for any transactions, otherwise the card cancellation will fail.

After 45 days, the bank will automatically cancel the credit card. At that time, you can call the bank again for confirmation.

It is not recommended to close the credit card account if there is an overdue record within two years. The bad record will be retained in the personal credit report for 5 years. Even if the account is closed, the bad credit report will still exist.

If you keep spending and repay the loan on time within two years, you can cover the old bad credit record with a new good record.

When overdrafting a credit card, be sure to pay attention to the repayment period, and remember not to leave a bad credit record, so as not to affect your daily needs in the future and cause a series of unnecessary troubles.

What should I do if I no longer use my credit card?

The suggestion is that if you have multiple credit cards or debit cards from this bank, choose to cancel the card; if you only have the only credit card from this bank and will not use it in the future, If you want to use it again, choose to cancel the account.

The process of canceling a card or account is very simple. You only need to call the customer service number of the credit card and it will be done quickly. The credit card in hand has no use and can be destroyed by yourself. But before that, there are some things that cardholders need to pay attention to.

First of all, you need to check whether there is any unpaid balance in your credit card, and whether there is any overflow deposit. If there is any debt, it must be paid off before canceling the card or account. If there is an overflow deposit, , but also consume it first.

Second, check how many credit card points you have and what gifts you can redeem them for. Otherwise, the points will be gone after canceling the card or account, and it will be a waste.

Third, check whether the credit card has any bad records in the past, such as overdue records. If so, it is best not to cancel the card or cancel the account, because the bad records cannot be eliminated and will always exist. In this case, it is recommended to continue using the credit card until the credit record is overwritten by new consumption records after 5 years.

Card cancellation process

1. Call the bank’s credit card center and ask about cancellation matters. It mainly depends on whether your card is suitable for cancellation, whether there is a balance, etc.;

< p>2. Use the phone to cancel the credit card. After receiving the call, the bank will accept the user's application for canceling the credit card and deduct the annual fees payable for all cards under the account. If the account balance is zero or the customer explicitly gives up the remaining deposits in the account .

3. Go to the bank counter to formally cancel the credit card. Must bring

①prepare ID card;

②application form;

③credit card to be canceled. Go to the counter to collect the card and wait a month before canceling the transaction.

The first step to cancel is to collect the card. After collecting the card, you will go through the corresponding cancellation procedures one month later. However, you can also directly make an appointment to cancel the account on the day of canceling the card. In this way, you don’t have to go to the branch to apply for it after a month. The balance on the card will be transferred directly to the card that was scheduled to be closed after one month.

What should I do if my credit card is no longer in use?

If your credit card is no longer in use, you can choose to cancel it. The cancellation methods generally include cancellation by phone or bank counter cancellation.

Telephone cancellation process: The user calls the customer service hotline of the card-issuing bank and is transferred to manual service. The customer service staff will verify the user's personal information and submit the cancellation application after verifying the information. The staff will inquire about the reason for cancellation and confirm whether the user has To cancel, after confirming the cancellation, wait for the 45-day risk period. On the 46th day, the user can call the customer service hotline to inquire whether the cancellation is successful.

Bank counter cancellation process: Users can go directly to the offline bank counter with their credit card and personal ID card.

You need to pay off the debt before canceling. If you still have points, it is best to dispose of them.

Credit card cancellation is divided into two types: card cancellation and account cancellation. If you choose to cancel the card, if you still want to use it later, you can apply for a new card from the bank; if the account is canceled, all credit cards under the same bank's name will be cancelled, and If you later want to use the credit card that has been canceled by the bank, you must apply again.

Note: If your credit card has just become overdue and cannot be cancelled, you should insist on using it for two years and pay it back on time during this period. You can overwrite the overdue record. Doing so will not have any impact on your credit report.

This is the end of the introduction about what to do if you don’t use your credit card and how to not apply for a credit card. Have you found the information you need?