How to cancel the applied credit card if it is not activated

The applied credit card is not activated, and the cancellation methods are as follows:

First, to cancel at the bank counter, you need to bring your ID card and the original credit card.

2. Call the bank's customer service phone, and find the manual operator through the independent voice prompt, and ask them to help you manually cancel. After successful manual cancellation is selected, the credit card will be automatically cancelled the next month after successful application for manual cancellation.

because the credit card application is sent by post after it is approved, there is no guarantee that the recipient is the applicant. In order to protect the applicant and the bank from theft, the credit card has a card opening program before it is officially opened.

Card opening is mainly to check the relevant personal information provided at the time of application by telephone or online, and then complete the card opening procedure. At this time, the applicant becomes the card holder, and can officially start using it after signing on the back of the card. After a credit card is opened, it is generally necessary to set a password for the card.

after accepting a credit card, a credit card merchant or bank should review the validity of the credit card and the identity of the cardholder.

The card face of a credit card has at least the following information:

Front: name and logo of the issuing bank, credit card type (organization logo) and holographic anti-counterfeiting mark, English or pinyin name, activation date (usually calculated to the month) and effective date (usually calculated to the month). The latest card is attached with a chip on the front, and the chip account and the card magnetic stripe account are two relatively independent accounts.

back: card magnetic stripe, cardholder's signature column (which must be signed after activation), service hotline, the last four digits or all (to prevent fraudulent use), and credit card security code (the three digits immediately after the last four digits on the signature column on the back of the credit card are used for credit card activation, password management, TV, telephone and online transactions, etc.).

merchants and banks confirm that the credit card is valid, and contact the bank according to the contract signed with the issuing bank to request authorization. Authorization is the amount that can be used to further prove the identity of the cardholder. Authorization is generally carried out when the use amount stipulated in the contract is exceeded.

after receiving the authorization notice, the card-issuing bank will issue an authorization instruction according to the balance of the cardholder's deposit account and the agreement of the bank to allow overdraft, and reply whether to agree to the transaction.

Credit cards are usually limited to the cardholder's own use, and lending them to others is generally a violation of the use contract.

How to cancel an inactive credit card

The method for canceling an inactive credit card is as follows:

1. Call the 24-hour customer service phone on the credit card to apply for cancellation, and the customer service will cancel the card for you after confirming your identity;

2. You need to bring your ID card and credit card directly to the bank counter for cancellation;

3. Insert the credit card into the bank ATM 45 days after applying for cancellation, and then check the status of the credit card;

4. If the card is successfully cancelled, the ATM machine will display that the card is invalid; If the credit card can be used normally, you must contact the bank customer service in time and then cancel the card again.

Extended information

1. Precautions for the use of credit cards

1. Credit cards, also known as debit cards, are a kind of non-cash transaction payment method and a simple credit service. Many friends don't know what precautions beginners should take when using credit cards. Let's take a look.

2. full repayment on time will be free of interest, and the minimum repayment on time will be charged at .5 ‰ of the daily interest, starting from the consumption bookkeeping date.

in case of overdue repayment, there will be a late payment fee in addition to the above interest. You should know two important dates of credit card.

3. If you don't know the billing date (also called reconciliation date) and the final repayment date of each month, you can call customer service. The number of the credit card center is on the back of the card.

4. Ask the bank to send the statement on time every month. If it is inconvenient to receive paper letters, ask the bank to send an email instead to find out the minimum handling fee for each credit card withdrawal.

2. Credit card application qualification

1. People who are 18 years old and have a stable income have a fixed office address and the company has a fixed telephone.

2. ID card, work certificate, social security, academic certificate, etc.

3. My mobile phone number and email address with real name authentication.

4. proof of assets, such as car production, real estate, deposit certificate, etc. (special requirements for credit line).

3. After the credit card information is submitted

1. After the information is submitted, it will be reviewed by the staff of the credit card outlets, and it will generally be verified by a return visit through the company phone and personal phone; Some applications will have two spot checks and return visits.

2. Review time: generally, the review is completed within 1 working days. After the review is passed, the business card will be printed and mailed to the company address.

3. Some banks have launched quick audit, and the audit results can appear in a short time, but it still takes time to make a card and send it.

IV. Receiving the credit card

1. After receiving the credit card, it will be accompanied by a user introduction, and the credit card will be activated according to the prompts;

2. Credit card activation methods include: phone activation, bank APP activation and business outlet activation;

3. You need to bring the original ID card and credit card to activate the outlets.

4. Keep in mind the billing date and repayment date of the credit card, repay on time and maintain good credit.

How to cancel if the credit card is not activated

The methods for canceling the inactive credit card are as follows:

1. Call the 24-hour customer service phone on the credit card to apply for cancellation, and the customer service will cancel the card for you after confirming your identity;

2. You need to bring your ID card and credit card directly to the bank counter for cancellation;

3. Insert the credit card into the bank ATM 45 days after applying for cancellation, and then check the status of the credit card;

4. If the card is successfully cancelled, the ATM machine will display that the card is invalid; If the credit card can be used normally, you must contact the bank customer service in time and then cancel the card again.

In most cases, citizens who have full capacity for civil conduct (citizens aged 18 or above in Chinese mainland) and have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

people who apply for credit cards can be divided into units and individuals. The applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal personality within the territory of China. Each unit can get a main card and several (5-1) supplementary cards when applying for a credit card. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

generally, the application method is to fill in a credit card application form, and the contents of the application form generally include the name, basic information, economic status or income source, guarantor and its basic information of the applicant. And submit certain copies of certificates and certificates to the issuing bank. After the customer fills in the application form truthfully, he should submit the completed application form and relevant credit certificate. The application form is accompanied by a contract for using a credit card. The applicant authorizes the issuing bank or relevant departments to investigate its relevant information, submit a statement on the authenticity of the information, the privacy protection policy of the issuing bank, etc., and must have the applicant's autograph.

after receiving the application form and relevant materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the review mainly include whether the contents of the application form are true or not, evaluating the credit degree of the applicant, and reviewing the relevant information of the guarantor for the individual.

usually, the bank will examine the applicant's various information and economic situation according to the application materials to judge whether to issue a credit card to the applicant. The factors considered are the applicant's past credit history, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. The standards of different card-issuing banks are also different. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.

This is the end of the introduction about how to cancel the credit card that has not been activated and how to cancel the credit card that has not been activated. Did you find the information you need?