How to cancel a credit card?

The main ways to cancel credit cards are:

1. Cancellation at the card-issuing bank outlet:

Cardholders can bring their personal ID cards and credit cards to the card-issuing bank offline. Go to the counter of the business hall outlet to apply for cancellation of your credit card and go through the cancellation procedures with the help of the staff.

2. Customer service phone cancellation:

Card holders can directly call the customer service hotline of the credit card center of the issuing bank. After answering the call, follow the phone voice prompts to transfer to manual service and report to work The employee applies to cancel the credit card and waits for the staff to verify the personal identity before canceling the credit card.

3. Go through bank card cancellation procedures over the counter at bank branches: All major banks have credit card cancellation windows, so bring your relevant personal documents, such as ID card and credit card. If you owe money on a credit card, bring cash and pay off the debt;

4. Cancel the credit card through official online banking: All major banks in China have online banks where you can submit and fill in your ID card and credit card data. To apply for account cancellation, submit the application and wait for the bank to call you to confirm;

5. Cancel the credit card through the official credit card customer service phone: Dial the official credit card service hotline, transfer to manual service, and ask the manual customer service to apply for cancellation of the credit card. Before making a call, be careful not to have any debt or balance on your credit card, otherwise you will not be able to cancel the account;

6. Cancel credit card through the bank’s official official account or the credit card’s official official account: all major banks in China have There is an official official account. As long as you bind the card and find the credit card cancellation, you can cancel the credit card on the official account;

7. Cancel the credit card through the bank's official APP: major banks include credit card services The center may have a personal official website APP, and you can cancel your credit card directly on it. [img]

How to cancel a credit card?

The procedure for canceling a credit card is as follows:

1. Check account information: Before canceling a credit card, you need to check your account Information to see if there is any unpaid balance in the card, or whether there is excess money in the card, such as overpayment, or money deposited into the card. For details, you can log in to the credit card online banking or WeChat official account to check.

2. Pay off the balance or clear the balance: If you find that there is an outstanding balance, you must pay off the balance before canceling the card and then cancel it. Because before canceling the card, the bank will check whether there is any outstanding balance on the credit card; in addition, if there is excess money in the card, it must be withdrawn or used through consumption.

3. Make a phone call to cancel the card: After confirming that there is no debt or excess money on the card, call the customer service hotline of the card issuer and transfer to manual service to cancel the card. The customer service will verify your identity and cancel the card for you. handle.

4. Waiting for cancellation acceptance: Calling to cancel the card will not result in successful cancellation immediately. It will take more than 40 days. Cardholders generally need to call the bank in time to confirm whether the card is canceled 46 days after canceling the card. household.

5. Query the cancellation result: After the specified cancellation time, query the credit card cancellation result. Canceled cards need to be cut off, and whether you cut the card or not, never throw away the credit card. If someone takes advantage of it, the loss will be huge.

How to cancel a credit card account?

To cancel a credit card, you can first call the customer service number of the bank's credit card center with your mobile phone and choose the cancellation service according to the voice prompts. Secondly, you can choose to cancel the card at the bank counter, bring your ID card and credit card, and fill out the card cancellation application form at the bank. Go through the process, and if there is no outstanding balance or excess deposit on the credit card 45 days after the process, the cancellation can be successful.

1. Credit card, also known as credit card, is a non-cash payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. They are issued to cardholders by banks or credit card companies based on the user's creditworthiness and financial resources. Cardholders do not need to pay cash when making purchases with a credit card. Make further repayments.

2. Except for some credit cards that are combined with financial cards, general credit cards are different from debit cards and ATM cards. Credit cards will not directly deduct funds from the user's account. In February 2012, the bank confirmed that credit cards without passwords are more secure, and they share the responsibility for any fraud. Enjoy an interest-free period of 25-56 days (or 20-50 days).

3. Card consumption enjoys an interest-free period. If you pay off the bill before the due date, no fees will be incurred. There is no interest-free repayment period for cash withdrawals. A daily interest rate of 0.05% will be charged from the day of withdrawal, and the bank will also charge a certain percentage of cash withdrawal fees.

4. In the 1960s, credit cards sprouted and developed rapidly in developed European and American countries such as the United States, Canada and the United Kingdom. After more than 50 years of development, credit cards have been widely accepted in more than 95 countries around the world. In the 1980s, with the reform and opening up and the development of market economy, credit cards began to enter China as an electronic and modern consumer financial payment tool. In the past ten years, they have developed by leaps and bounds.

5. After experiencing the financial crisis and the ups and downs of the domestic economy, China's credit card market rebounded in 2010. By the end of 2010, the total number of domestic credit cards issued had exceeded 200 million. In 2010, the national credit card inter-bank transaction amount reached 5.11 trillion yuan, and the consumption amount was 2.7 trillion yuan. The proportion of credit card consumption in the total retail sales of consumer goods continues to increase.

How to cancel a credit card?

The cancellation process is as follows:

1. Call the bank’s customer service number and apply to cancel the credit card. Note that the bank customer service will usually try to retain you at this time. If you decide to cancel the card, don't listen to his "fooling" and insist on canceling it.

2. From the time you apply for cancellation by phone to the official cancellation, there will be a settlement period of 30 to 45 days. During this period, you must not use your credit card to make purchases.

3. 40 days after cancellation, call the bank customer service number to confirm whether the cancellation is successful, so as not to leave a bad record for yourself due to special reasons.

4. Do not throw away canceled credit cards. Cut the magnetic strips into pieces before throwing them away to avoid being picked up by criminals and causing losses to yourself.

Extended information

For customers, if they plan to cancel the card, it is best to know in advance the card opening time and the time it will take to cancel the card, and reserve time to cancel the card before charging the next annual fee. card to avoid paying annual fees for an extra year.

In addition, canceling the card is not the same as canceling the account. Some banks will still retain customer information after canceling the card, while canceling the account will delete all customer information. Therefore, it is recommended that cardholders cancel the card at the same time. By closing the account, you can not only protect the security of your personal information, but also enjoy the benefits of new customers when you apply for a new credit card from the bank in the future.

How to cancel a credit card?

The process of canceling a credit card:

1. Submit a cancellation application to the card issuing bank. There are two ways to apply for card cancellation:

(1) Apply for credit card cancellation through online banking or by holding the card at the counter of the local card-issuing bank branch.

(2) Call the customer service hotline of the card-issuing bank, follow the voice prompts to complete the relevant operations, and submit a card cancellation request to the customer service;

2. Cut off the credit card that has been successfully canceled: To prevent credit card and personal information from being stolen, remember to cut the discarded credit card along the magnetic strip after successfully canceling the card. If your credit card is lost when applying for card cancellation, in order to ensure privacy and security, it is best to apply for a loss report first and then go through the card cancellation process.

3. Pay off all bill arrears, and make sure there is no balance overflow: before canceling the card, we need to confirm whether we have paid off all the arrears on the current card.

4. Wait for inspection Period: The usual bank inspection period for confirming card cancellation is 45 days, but some banks may also take it within three months. After applying for card cancellation, the credit card will not be canceled immediately. All banks generally have a 45-day "clearance period". Some debts may not appear on the bill when applying for card cancellation. If there is a debt, you need to After the debt is paid, after this period has passed, you can confirm whether the cancellation application has been successful.

How to cancel a credit card

Credit card cancellation process:

1. Verify credit card accounts

Before canceling a credit card, the cardholder needs to Confirm whether you have paid off all the credit card debts. If you have not paid off the debts, you should pay off the debts before applying to cancel the credit card.

2. Points Processing

When cardholders cancel their credit cards, they first need to check their credit card points. Based on their current credit card points, try to redeem some gifts or phone bills. , don’t waste your credit card points. After all, these are the points you accumulate every time you swipe the card. After canceling the credit card, the credit card points will be cleared.

3. Preliminary account cancellation

Credit card holders can go through the pre-account cancellation procedures by calling the bank’s customer service center, and then go to the bank outlet counter to formally cancel the account.

4. Formal account cancellation

The cardholder goes to the bank to apply for account cancellation. After 45 days, the bank needs to confirm that all the credit card debts have been paid off and all the debts have been repaid. Once cleared, you can cancel your account.

5. Card Destruction

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

Credit card cancellation method:

1. Call the bank’s credit card center and ask about cancellation related matters. It mainly depends on whether your card is suitable for cancellation, whether there is a balance, etc.; 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 after deducting the annual fees payable for all cards under the account, the account balance will be zero or the customer has explicitly given up the remaining deposits in the account.

2. Go to the bank counter to cancel the credit card. The cardholder must bring his or her ID card and the credit card to be canceled to the bank to fill out a card cancellation application form. The card may be collected first and the corresponding card cancellation procedures will be done one month later. However, you can also directly make an appointment to cancel the account on the day of card cancellation.

In addition, credit card cancellation is divided into card cancellation and account cancellation. After canceling the card, it is recommended to cancel the account, otherwise there may be some problems in applying for a credit card again; if there are still points in the credit card to be canceled that have not been used up, it is recommended to cancel all the points first. Cancel the card after redemption; cardholders should not use the credit card after submitting the credit card cancellation application until it is officially effective, otherwise the card cancellation application will be automatically revoked; after formal cancellation, cut along the credit card's magnetic strip and discard it to prevent theft.

If the cardholder's credit card limit is very low and they choose to cancel the credit card at this time, the cardholder also needs to pay attention to his or her card holding situation. If this is the first time you apply for a credit card, it is recommended that you do not cancel it, because with this credit card you can better maintain your personal credit. By swiping the card to improve your personal credit, it is also very useful for applying for credit cards from other banks in the future. Helpful. If the cardholder holds a very large number of credit cards and thinks that his or her credit cards are enough and wants to cancel the credit card, the cardholder also needs to seriously consider when applying for cancellation. If he or she holds too many credit cards, It will become more and more difficult to apply for a card, and it will become easier to cancel it.

That’s it for the introduction on how to cancel a credit card account.