How to completely cancel a credit card account

1. Pay off all outstanding balances on the credit card

Check the bill of the credit card to be canceled, such as, Find out the amount of card consumption, annual fees, short interest fees, handling fees, etc., check the amount, and pay it off in one go.

Pay special attention here, but in some cases you cannot see the bill, and it is easy to mistakenly think that the debt has been paid off.

In this case, you need to check your consumption records.

Some banks charge SMS fees not in advance but at the end. During the intervening time, it will not be reflected on your credit card statement.

2. Go to the bank counter to cancel, or call to cancel.

To cancel a credit card, you can call the credit card service phone number to cancel, or you can cancel at the counter.

It is recommended that you go to the counter to cancel your account and bring your personal ID card and credit card to the counter to cancel your account. When handling it at the counter, the counter staff will tell you what to do.

If there is any debt or overdue payment, it usually cannot be canceled.

To cancel, bank counter staff will tell you how to do it face to face.

If you log out by phone, it will be troublesome to operate. If communication is not smooth, mistakes may easily occur

In this case, you must also connect with the bank. If you need to deduct it in advance, you can The money is deducted from the card.

After doing the above two actions, it is important to remember to do the following two things.

First, about 45 days after the cancellation, reconfirm whether the cancellation is successful.

Call the bank credit card customer service number to confirm whether the cancellation is successful to avoid unnecessary trouble caused by failure to cancel the card due to special reasons.

Second, after confirming the cancellation, remember to destroy the credit card and do not throw it away directly.

The information on the magnetic stripe of the card is still there. If it is used by criminals to submit a new credit card application to the bank, there will be a risk of it being stolen.

After doing the above, the bank system clearly shows that the card has been cancelled, then the credit card is completely cancelled.

How to cancel a credit card?

If the customer wants to cancel the credit card in his name, he can directly call the hotline number of the card-issuing bank and press "0" to contact the customer service staff to apply.

If there is an offline branch of the card-issuing bank near where you work or live, the customer can also bring his or her personal ID card and credit card to the branch counter to apply for cancellation.

Everyone needs to note that after submitting a cancellation application, the bank will generally not cancel the card for the customer immediately. Instead, it will leave a forty-five-day settlement period until the forty-five days have passed. , confirm that there are no new bills or excess overpayments on the card, and then the card will be officially canceled for the customer.

If there are unpaid bills or excess overpayments in the card, it will not be possible to cancel it successfully. Therefore, it is recommended that customers check the card situation before applying to cancel the card. If there is an unpaid bill, pay off the bill as soon as possible; if there is excess overpayment, then Quickly withdraw the overpayment first, and then apply for cancellation.

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.

How to cancel a credit card account

You can cancel a credit card account through the following methods:

1. You can go to the corresponding branch bank with your ID card and related credit card Sign out at the counter.

2. Call the bank customer service hotline directly, and then transfer to manual service, and ask the manual customer service to apply for cancellation of the credit card.

3. You can upload your ID card, credit card and other information to the official online banking, fill in the account cancellation application and submit it.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

There are two ways to cancel a credit card

There are actually two ways to cancel a credit card: card cancellation and account cancellation.

Canceling a card means canceling a single credit card in one's name, while canceling an account means canceling all credit cards in one's name in a certain bank.

For example, we have three different types of credit cards in a bank. If we cancel the card, only one credit card will be canceled. If we cancel the account, all three credit cards will be canceled. Log out.

If we are unwilling to keep a credit card from a certain bank, we should choose to close the account instead of canceling the card.

Methods to cancel a credit card

There are generally two ways to cancel a credit card: customer service phone cancellation and bank branch cancellation.

Customer Service Telephone Cancellation

We can call the bank's credit card customer service telephone number to enter the manual service and inform the manual that we need to cancel the credit card. Under normal circumstances, the manual customer service will try to retain us. After we explicitly refuse, the customer service will help us handle the cancellation business.

Cancellation at a bank branch

We can go to a bank branch to handle the cancellation business with our ID card and credit card. We can also complete the cancellation after filling in the corresponding procedures.

Notes on canceling credit cards

1. Before canceling, check whether the card has available points, activities that can be participated in, benefits that have not been enjoyed, etc. In order to avoid waste, it is best to It is better to handle the cancellation business after full use.

2. Pay off all credit card debts and confirm that there are no other installment transactions.

3. When canceling, the bank customer service will try their best to retain you, including providing lifetime annual fee-free services, giving away points, etc., so be mentally prepared.

4. After successfully canceling the credit card, destroy the card in a timely manner.

5. Account cancellation may affect your future application for a credit card from this bank.

How to cancel a credit card account?

To cancel a credit card, you can first use your mobile phone to call the customer service number of the bank's credit card center and choose the cancellation service according to the voice prompts. Secondly, you can choose to cancel at the bank counter and bring your identity. Please fill in the card cancellation application form at the bank with your ID card and credit card. If the credit card has no outstanding balance or excess deposit 45 days after processing, it can be successfully canceled.

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, and a daily interest rate of 0.05% will be charged from the day of withdrawal. 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% of countries around the world. In the 1980s, with the reform and opening up and the development of the 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.

Please click to enter the picture description (maximum 18 words)

That’s it for the introduction of how to destroy credit cards.