Ping An Bank’s credit card does not need to be activated and then canceled. Cancellation can be done directly by phone. Inactive credit cards can be canceled through telephone banking. Only when the credit card can be canceled can it be canceled by phone. Call the corresponding bank customer and enter the card number and information according to the prompts to cancel the account. After calling the credit card service hotline 95511-2 of Ping An Bank, you will switch to manual application according to the voice prompts.
After the credit card cancellation is completed, the account cancellation process still needs to be carried out. To cancel the credit card account, you need to go to the bank counter with valid documents.
Ping An Bank credit card bank counter cancellation process:
(1) Bring valid documents, such as ID card and credit card.
(2) Go to the bank to get the reservation number and queue up
(3) Explain to the service staff that you want to cancel your account, give your credit card to the bank staff, and fill out the relevant application.
(4) Credit card account cancellation is completed.
Extended information:
Although the credit card is not activated, the bank will not actively cancel the customer's credit card. Therefore, for security reasons, cardholders are advised to cancel inactive credit cards in a timely manner. Cardholders can cancel their credit cards by calling credit card customer service. In addition to incurring various fees, an inactivated credit card may also affect the cardholder's application for other credit cards and credit lines.
The "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks" stipulates that if there are multiple bank loans or credit card credit records in the applicant's credit reporting system, then the bank needs to strictly review and strengthen risk prevention and control, and There will be some impact on the amount. Therefore, unactivated credit cards actually occupy the cardholder's credit limit, and the cardholder may not be able to apply for a large credit card.
Reference materials: Card User Guide_Customer Service_Ping An Bank Credit Card