The credit card of Agricultural Bank of China has been frozen due to overdue. The customer service asked to cancel. What should I do if ABC's credit card is frozen overdue? Customer service requires cancellation, and the credit card cannot be used until the overdue money is paid off.
China Agricultural Bank's credit card is overdue. The customer service asked me to cancel my credit card. Hello! Because your credit card is frozen, you can only repay it, but you can't withdraw it, so the customer service suggests that you pay off your debts and cancel your account. I hope I can help you, please adopt!
The credit card of ABC was frozen in March, and the customer service suggested canceling it. If the customer service representative tells me to pay off the arrears and cancel the card, then I suggest canceling the card.
Agricultural Bank of China has no right to destroy overdue records of overdue credit cards or loans.
China Agricultural Bank will truthfully report the credit card use and repayment of customers in China Agricultural Bank to the basic database of personal credit information every month according to the requirements of the Regulations on Credit Information Management of the People's Bank of China. Usually 2 working days after the billing date.
The Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; Those more than 5 years should be deleted (see: gov./zwgk/2013-01/29/content _ 2322231.htm). When you handle new business, relevant departments will generally give priority to recent consumption and repayment records.
Overdue cancellation of credit cards Bank credit cards handled in Changzhi City can be cancelled in Taiyuan City. The cancellation method is as follows:
Telephone banking cancellation:
Credit cards can be cancelled by telephone banking. If the credit card can only be cancelled by telephone on the premise of cancellation, call the corresponding bank customer, enter the card number and information according to the prompt, and cancel the account.
Bank counter cancellation:
(1) Carry valid certificates, such as ID cards and credit cards.
(2) Get the reservation number from the bank and queue up.
(3) Explain to the service staff that you want to cancel the account, hand over the credit card to the bank staff and fill in the relevant application.
(4) Credit card cancellation is completed.
Precautions:
If the credit card is lost, you need to reissue a credit card first, then cancel the account, and the card fee is required to reissue the card;
Credit card cancellation must take out the balance on the card to ensure that there is no debt on the card.
What if the credit card is overdue for more than 20 months but has not been cancelled? The late payment fee of every bank is the same, which is five ten thousandths of the overdue amount every day.
Overdue credit cards will generate late fees, that is, the minimum repayment amount will not be fully paid before the due repayment date. This fee is calculated on the basis of 5% of the outstanding part of the minimum repayment amount, with the lowest 5 yuan.
Assuming that the minimum repayment amount of the landlord's bill is 200 yuan, if it is not repaid at maturity, there will be a late fee on the bill next month, with the amount =200*5%= 10 yuan.
At the same time, it is necessary to remind the landlord that banks will generally report the repayment of customers' cards to the People's Bank of China truthfully, and overdue loans will be recorded in personal credit reports, which will have a certain impact on future loans, such as mortgage loans and car loans. Therefore, it is suggested that the landlord try to return the minimum repayment amount of the card before the due repayment date, so that the bank will not count you as overdue.
What if the credit card is overdue? After China Merchants Bank's credit card repayment is overdue, it is necessary to pay off the money as soon as possible (one-time payment will increase the probability of lifting the ban), call China Merchants Bank's credit card center to apply for opening after paying off, and then wait for the approval of the credit card center.
If China Merchants Bank stops the credit card, the consequences are as follows:
First, if it is overdue for a long time, the bank will call you to urge you to repay. If the repayment is still not made, the bank has the right to bring a lawsuit to the court. It is difficult to deal with when suing;
Second, overdue credit cards affect credit records, and credit stains will be recorded in the credit information system. If you want to handle other bank loans and credit card business, the bank will check the credit report. If there is a record of non-repayment, the bank will generally not accept the application.
Therefore, it is correct to find a way to pay off the arrears, stop the card, and then accumulate good credit records of credit card swiping and repayment in about half a year, and cover up the original bad records with good records.
It's naive to be forced to cancel your credit card when it's overdue. If you don't pay back, you can cancel it.
Before the credit card expired, it was cancelled. How about the credit card now? If you meet the requirements of China Merchants Bank's credit card application, you can try to apply. The most important condition for applying for China Merchants Bank credit card is 18-60 years old (25-60 years old for foreigners), with certain economic ability and good credit record. Please refer to the actual audit of our credit card application results. The necessary application documents are copies of identity certificate and work certificate. If you can provide other financial documents, it will be more helpful for us to understand your personal situation and judge the credit limit.
If you are interested in CMB credit card, but have never held our credit card, you can apply in the following four ways:
1. Please log on to the credit card website and select "Apply for Credit Card"-"Apply for New Customer";
2. Please bring your original identity certificate, work certificate and financial documents to the business outlets of China Merchants Bank in person;
3. You can also call the customer service hotline, select "3#" in the voice for credit card application consultation, and then select "1" to transfer the service specialist to register for you, and inform our local staff to contact you to confirm the application.
4. If you have applied for the professional version of our online banking, you can apply through the professional version.
Remind you that the credit card verification status is subject to the final audit result.
What happens when the credit card is cancelled after it is overdue? Don't leave a "tail" for credit card cancellation. Whether you cancel your credit card through telephone banking or at the bank counter, you should not only prepare the relevant proof card, but also ensure that there is no debt and deposit in the card, otherwise you can't cancel it. Only if you really cancel, the credit report will show that you canceled.
If there are many overdue records in the process of using credit cards for various reasons, it is wrong to cancel the cards and think that bad records can be erased. Because there will be no new credit records in the credit information system after the card is cancelled, the previous bad records will remain because they have not been replaced by new records, and will not be cancelled until five years later. During this period, loans and credit cards will be rejected by banks.
If this happens to the credit card, you should continue to use it for 24 months after paying off the debt, and cover the previous negative record with a good record.