How to cancel a credit card application

There are two ways to cancel a credit card application: 1. If you want to cancel the online application for a credit card, if you do not go to the branch for confirmation, the card application will be canceled after 45 days. Automatic rejection, no need to go to the branch to apply, you can also contact customer service phone number to apply for cancellation. 2. If you have already gone through the confirmation procedures at the counter, you need to go to the bank counter.

It should be noted that the cancellation method should be selected based on the credit card approval status. The bank's review of the credit card is a key point. If the credit card has not passed the review, you can notify the bank to cancel the application; if the credit card has passed the review, you must cancel the credit card through other methods.

If the credit card review has not been passed, the applicant can call the credit card center of the card-issuing bank and submit an application to cancel the credit card application to the customer service staff. Or go directly to the business branch of the bank where the card was issued and apply to the counter staff at the counter to cancel the card application. If the counter staff is unable to handle the transaction, you can seek further solutions from the bank manager.

If the bank has completed the user's qualification review when the user needs to cancel the credit card, and the review has passed, cancellation cannot be done in this case. Because once approved, the user will establish a credit file in the system of the bank applying for the credit card, and the file cannot be deleted.

In this case, if you no longer want to use the bank's credit card, the solution is to apply to the bank that issued the card to cancel the card. Before canceling a credit card, you must pay the corresponding fees or go through the corresponding procedures in accordance with the regulations of the bank that issued the card. If you cancel a credit card before using it after applying, it will affect your personal credit record, and the success rate of applying for a credit card next time will be reduced.

How to cancel a credit card

There are two ways to cancel a credit card:

1. Cancel by phone. Users can cancel their credit cards directly by calling the bank's hotline.

2. Cancellation at the bank counter. Users can bring their personal identification documents to the bank counter and apply to cancel their credit card.

How to cancel a credit card

Credit cards can be canceled in the following situations:

The first is that the applicant has not received the credit card and has just applied online. After that, the bank has not yet rushed to send the card or apply through the agent channel, and the salesperson has not yet submitted the information. At this time, the card applicant can call the customer service center where the card was applied for and say that he wants to cancel the application for the credit card. In this case, canceling the credit card has essentially no impact on the individual.

The second is that the applicant has received an unactivated credit card. For a newly applied credit card, if it has not been activated, there is no need to cancel the card. The general activation period is one year from the date of issuance of the card. If it is not activated within the specified time, the credit card will automatically become invalid.

The third type of credit card in use, you must make preparations before canceling the credit card. First of all, you need to pay off all your credit card debts. If you have any extra money, you need to spend it. Make sure that there is no more or less money on your credit card account. Then call the customer service number and follow the voice prompts to transfer the money. Manually apply for a credit card to make an appointment to close the account. After the next billing date, if the balance in your account is even, that is, not a penny more, not a penny less, then your credit card can be cancelled.

Or you can cancel at the counter and bring the necessary documents, ID card, credit card, and money. Explain the situation truthfully to the staff.

What should I do if I no longer want the credit card I applied for? You can cancel through these methods

Many people are always hesitant to apply for a credit card. After applying, they are still wondering whether it is necessary to apply for a card. Some people even do not want a card after submitting the application and have to apply for it. Cancel credit card. So, what should you do if you no longer want a credit card after applying for it? Let’s find out together below.

How to cancel the credit card application if I no longer want it?

Actually, there are solutions if you no longer want a credit card after applying. However, you need to know the progress of your credit card application. It is recommended that you check the credit card approval status through the official credit card website and WeChat official account, and then take corresponding steps. The specific measures are as follows:

1. Under review:

If you find that the credit card application is under review, you can use the mobile phone number reserved when applying for the card to call the card issuing bank at 24 Hourly service hotline, transfer to manual service, submit credit card cancellation application to customer service, but whether it can be canceled will be subject to the final result.

2. Approval:

This situation means that the card has been successfully approved and cannot be canceled. If you really don’t want the credit card, you can directly call the service hotline of the card issuer and cancel the card manually after receiving the credit card. Before canceling a card, you must understand the credit card account situation clearly. If the credit card has not been opened but has been charged, you must settle the repayable account before canceling the card.

3. Waiting for interview:

This situation only passes the preliminary review and needs to be interviewed before the final review. Usually credit card interviews have a set time limit, which is specified in the interview text message sent. If you don’t want the credit card, you don’t need to go to the interview again. If the interview is not completed within the specified time, the system will automatically end the credit card application.

4. Review rejected:

The credit card approval failed and the application was automatically terminated. In this case, there is no need to cancel it yourself.

The above is the relevant introduction to "What to do if you no longer want the credit you applied for". I hope it will be helpful to everyone. In short, if you no longer want the credit card after applying, you can check the card application progress and adopt different cancellation methods according to the card approval status.

How to cancel a credit card?

The cancellation process is different for different credit card statuses

1. Under review: If it is found that the credit card application progress is under review, you can use the mobile phone number reserved when applying for the card to call the card issuer Use the bank's 24-hour service hotline, transfer to manual service, and submit a credit card cancellation application to customer service. However, whether the cancellation can be made is subject to the final result.

2. Approved: This situation means that the card has been approved successfully and cannot be canceled. If you really don’t want the credit card, you can directly call the service hotline of the card issuer and cancel the card manually after receiving the credit card. Before canceling a card, you must understand the credit card account situation clearly. If the credit card has not been opened but has been charged, you must settle the repayable account before canceling the card.

3. Waiting for interview: In this case, the applicant only passes the preliminary review and needs to be interviewed before the final review. Usually credit card interviews have a set time limit, which is specified in the interview text message sent. If you don’t want the credit card, you don’t need to go to the interview again. If the interview is not completed within the specified time, the system will automatically end the credit card application.

4. Approval rejected: The credit card approval failed and the application was automatically terminated. In this case, there is no need to cancel it yourself.

1. The difference between canceling a card and canceling an account

1. Cancellation of a credit card

Canceling a credit card only deactivates your card. As the name suggests, you cannot use the card normally. , and many people forget about it after canceling the card, and some just throw it aside. However, if someone picks up your card, criminals will use your magnetic stripe information to re-card it and use it for consumption. Unknown to you, the bank will notify you to repay when the credit card statement comes out. If you don't pay attention, you will be overdue. Risks and unnecessary trouble! However, when you cancel your credit card and apply for a credit card again, the bank cannot treat you as a new user and you will not receive bank discounts or new account benefits.

2. Credit card account cancellation

Credit card account cancellation refers to the complete deletion of your personal bank credit card information account. The system does not have all your information, and the card requires you to cut it off with scissors. Magnetic strip. If you apply for a card again, you will be treated as a new user. Some banks are vindictive in closing accounts, so please think twice about closing accounts.

This is the end of the introduction to canceling your credit card.