The customer service phone number of the issuing bank is manually inquired, and the customer service phone number is on the credit card. After dialing the phone number, you can know whether the card has been cancelled by the manual service according to the voice prompt.

Check at the counter, bring your card and ID card to the counter of a nearby outlet, and you'll find it.

Wechat official account inquiry, there is a WeChat official account bound to the issuing bank. If you query any service, you will get an invalid card prompt, or there is no prompt for this card.

Online banking inquiry and account login failed to find any related business, or the prompt card was invalid.

Will credit card cancellation affect credit history?

For credit cards with standardized use and no overdue records, cancellation of cards with no balance and no arrears will not affect personal credit records. However, if the cardholder has an overdue bad credit record in the process of using the card, or there are outstanding debts on the card when the card is cancelled, it will have an impact on the personal credit record. For credit cards that have left bad records, it is impossible to cancel and remove bad records. The correct way is to continue to use the card, keep a good repayment record, and cover the old bad credit record with a new good credit record in the future.

Is it risky to sell only cards and not accounts?

In order to avoid unnecessary trouble, it is best to cancel the account when canceling the card. In addition, if you only sell cards but not accounts, you are an old account in this bank, not a new account. Even if you apply again, there will be no discount for new users.

Do inactive credit cards need to be cancelled?

Generally speaking, there will be no annual fee if the credit card is not activated, but there are some high-end cards and credit cards with special materials, such as high-value platinum credit cards, which will generate annual fees even if they are not activated. In addition, as long as the card is issued, whether it is activated or not, it will be reflected in your credit report, occupying your total credit line, and once there is a record of overdue repayment, it will affect your personal credit report. Therefore, inactive credit cards should be cancelled in time if they are not used. When we apply for a card, we must think clearly whether we want this card or not.

Will everything be fine after the credit card is cancelled?

After the cancellation of the credit card, the invalid credit card must be cut along the magnetic stripe to prevent the credit card from being stolen. In addition, if the credit card has been lost and you want to cancel it, in order to ensure safety, it is best to report the loss first and then cancel it.

Don't use the cancelled credit card during the "settlement period". Some banks will have to wait for an "account clearing period" of about 45 days to ensure that the card can be cancelled without delaying the transaction. During this "account clearing period", the cardholder must be careful not to use the credit card for any transaction, otherwise it will lead to the failure of card refund. After the "settlement period", the bank will automatically cancel your credit card. To be on the safe side, you can also call the bank to confirm.

How to confirm that the credit card has been cancelled? Three channels can be inquired.

There are generally two kinds of cancellation of credit cards, one is forced to cancel by the bank because of long-term overdue, and the other is that the cardholder applies to the bank for cancellation. In either case, it is necessary for us to confirm whether the credit card has been cancelled successfully. So how do you confirm it? There are several ways to check the current status of a credit card.

When a credit card is cancelled by a bank and the cardholder applies for cancellation, there are different inquiry methods. However, the latter will have a pre-cancellation period of 45 days, so it will not be confirmed until the 46th day after the application is filed. The main channels are as follows:

1, telephone confirmation

Call the credit card service hotline of the bank where the cancelled credit card belongs directly. There will be a phone on the back of the credit card, and then transfer it to the manual customer service for help. You may also need to enter the inquiry password of this ID card, so that it can be filled in when applying for this card. Customer service will make an inquiry after verifying the identity information, and then inform the result.

2. Confirmation of credit report

All cancelled credit cards will be reflected in the credit report, so checking the credit report can also be confirmed.

I have two channels to check the credit information. One is to log in to the central bank's official website Personal Credit Information Center to get a credit report, which usually comes out the next day, but this is a short version of credit information; One is to print a detailed version of the credit information at the local offline outlets or the counters of commercial banks designated by the People's Bank of China.

3. Counter confirmation

Bring your valid ID card directly to the counter of any branch of the issuing bank, and ask the staff to assist in the inquiry. It is best to pay attention to local bank branches, which may not be found elsewhere.

Finally, I would like to remind you that the premise of credit card cancellation is that there is no debt in the card and no money exceeding the limit. Only by meeting these requirements can the cancellation be successful.

How to check whether the credit card has been cancelled successfully?

There are several ways to determine whether the credit card has been successfully cancelled:

1, call the bank customer service to confirm. After applying for account cancellation, you should pay attention to whether you have paid off the money within 45 days. If you have, you should repay it in time, and then call the bank customer service to ask if the account cancellation has been successful.

2. Ask the bank to send the cancellation fax or mail the cancellation certificate.

With credit cards, young people can buy all kinds of goods according to their own needs. Over time, it will lead to excessive consumption of these credit card holders. After the credit card is overdrawn, the credit card holder needs to repay a lot of expenses. In order to relieve their financial pressure, they will choose to cancel their credit cards after paying off all their debts. The specific process of calling card cancellation is as follows:

1, take out your credit card, then get through the hotline at the back and call the bank credit card center to ask about cancellation, mainly depending on whether your card is suitable for cancellation and whether there is a balance.

2. Cancel the credit card by phone. After receiving the call, the bank will accept the user's application to cancel the credit card, and deduct the annual fee receivable from all the cards under his account, and the account balance will be zero or the customer will definitely give up the remaining deposit in the account.

3. Go to the bank counter to officially cancel the credit card. 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, I would like to remind you that 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.

How to view the introduction of credit card cancellation? Let's stop here.