How to cancel a credit card?

The main ways to cancel credit cards are:

1. Cancellation at the card-issuing bank outlet:

Cardholders can bring their personal ID cards and credit cards to the card-issuing bank offline. Go to the counter of the business hall branch to apply for cancellation of your credit card and go through the cancellation procedures with the help of the staff.

2. Customer service phone cancellation:

Card holders can directly call the customer service hotline of the credit card center of the issuing bank. After the call is answered, follow the phone voice prompts to transfer to manual service and report to work The employee applies to cancel the credit card and waits for the staff to verify the personal identity before canceling the credit card.

3. Go through bank card cancellation procedures over the counter at bank branches: All major banks have windows for credit card cancellation. Please bring relevant personal documents, such as ID card and credit card. If you owe money on a credit card, bring cash and pay off the debt;

4. Cancel the credit card through official online banking: All major banks in China have online banks where you can submit and fill in your ID card and credit card data. To apply for account cancellation, submit the application and wait for the bank to call you to confirm;

5. Cancel the credit card through the official credit card customer service phone: Dial the official credit card service hotline, transfer to manual service, and ask the manual customer service to apply for cancellation of the credit card. Before making a call, be careful not to have any debt or balance on your credit card, otherwise you will not be able to cancel the account;

6. Cancel credit card through the bank’s official official account or the credit card’s official official account: all major banks in China have There is an official official account. As long as you bind the card and find the credit card cancellation, you can cancel the credit card on the official account;

7. Cancel the credit card through the bank's official APP: major banks include credit card services The center may have a personal official website APP, and you can cancel your credit card directly on it.

How to cancel a credit card?

The process of canceling a credit card:

1. Submit a cancellation application to the card issuing bank. There are two ways to apply for card cancellation:

(1) Apply for credit card cancellation through online banking or by holding the card at the counter of the local card-issuing bank branch.

(2) Call the customer service hotline of the card-issuing bank, follow the voice prompts to complete the relevant operations, and submit a card cancellation request to the customer service;

2. Cut off the credit card that has been successfully canceled: To prevent credit card and personal information from being stolen, remember to cut the discarded credit card along the magnetic strip after successfully canceling the card. If your credit card is lost when applying for card cancellation, in order to ensure privacy and security, it is best to apply for a loss report first and then go through the card cancellation process.

3. Pay off all bill arrears, and make sure there is no balance overflow: before canceling the card, we need to confirm whether we have paid off all the arrears on the current card.

4. Wait for inspection Period: The usual bank inspection period for confirming card cancellation is 45 days, but some banks may also take it within three months. After applying for card cancellation, the credit card will not be canceled immediately. All banks generally have a 45-day "clearance period". Some debts may not appear on the bill when applying for card cancellation. If there is a debt, you need to After the debt is paid, after this period has passed, you can confirm whether the cancellation application has been successful.

How to cancel a credit card if you no longer want to use it

How to cancel a credit card if you no longer need it:

1. Cancel via telephone banking. Most credit cards can be canceled through telephone banking. Call the credit card service hotline 4008205555 (dial from mobile phone) or 8008205555 (dial from landline only), enter personal information and press "9" to transfer to manual service. Cancel the credit card under application: If you need to cancel during the credit card application process, or if you have objections to the card application, please call the service hotline for further confirmation (cancellation cannot be done online).

2. Go to the relevant 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.

Applying for a credit card has the following benefits:

1. Benefits of supplementary card: The supplementary card is a supplementary card to the main credit card and is specially used by the cardholder’s family. The supplementary card enjoys the credit limit of the main card, and all outstanding consumption expenditures of the supplementary card can be repaid directly by the main card. For children studying in other places, parents can give their children supplementary cards, and they can control their children's financial expenses through card management.

2. Benefits of points: In order to encourage cardholders to spend more by swiping their cards, banks have set up a point-earning service for swiping their cards.

The points earned can be exchanged for exquisite gifts, including daily necessities, home appliances, computer accessories, etc. Most banks have cooperation with airlines, and the points can also be exchanged for airline miles.

3. Benefits of overseas consumption: Credit cards include dual-currency cards and single-currency cards. Dual currency refers to a card that supports domestic consumption and foreign consumption; single currency refers to a card that supports domestic consumption or foreign consumption. When applying, you choose a card with the UnionPay logo or the foreign currency logo. For cards that support foreign currency consumption, you can directly swipe the card for consumption when traveling abroad, and repay the money directly in RMB.

4. Credit benefits: If you don’t have a credit card and have never borrowed money from a bank, you have no credit. At present, in financial and economic activities, having a good credit record is a benefit. For example, when it comes to getting approval for a loan to buy a house or a car, it is much easier for people with a credit record than those with no credit.

However, overdue credit card payments will affect your credit report. Regardless of whether you forget to repay or deliberately fail to repay, as long as it is overdue and uploaded to the credit reporting center, the bad credit reporting record will be retained for 2-5 years. Within these 2-5 years, if you want to buy a house or a car, you will be affected by a bad credit record. In most cases, the loan approval will be rejected.

How to cancel a credit card account?

To cancel a credit card, cardholders can apply for cancellation in the following two ways:

1. Cancellation at the counter: Credit card users can bring their valid ID and credit card to the card issuing office Apply to cancel the credit card at the bank's branch counter, and then the staff will help us cancel the credit card.

2. Cancellation by phone: If the credit card no longer wants to be used, the cardholder can directly call the customer service hotline on the credit card, follow the voice prompts to the manual service, and then enter the ID number, credit and other information. After identity verification, you can apply to cancel the credit card. When applying to manual customer service to cancel a credit card, the customer service may persuade us to continue using the credit card. If we really have no need to continue using it, then be firmer.

Note that whether you choose to apply for cancellation at the bank branch counter or by calling the customer service hotline, when applying to cancel a credit card, you need to pay off the credit card debt in advance and ensure that there is no balance in the credit card account. , and you need to ensure that there is no balance in the credit card account before you can cancel the credit card. Otherwise, you cannot cancel the credit card whether there is a balance in the account or a debt in arrears.

Finally, I would like to remind everyone that under normal circumstances, the card cancellation cycle is 45 days. The bank will only cancel the credit card for the user after confirming that the cardholder has not generated a new bill within 45 days. Everyone should apply to cancel the credit card 45 days after Remember to call the bank customer service hotline to inquire whether the credit card has been successfully canceled. After confirming that the cancellation is successful, it is recommended to use scissors to completely destroy the credit card. If you do not want to cancel the credit card within 45 days, you can apply to cancel the cancellation application.

If a credit card holder has overdue behavior while using the credit card, it is usually not recommended to apply to cancel the credit card after paying off the debt. The correct approach is to continue to use the credit card and maintain good repayment. If you continue to use the card for 2 years, you can write off previous overdue delinquencies with good records.

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

That’s it for the introduction of what to do if you want to cancel your credit card.