Users can also try to apply for a temporary credit card limit. After the application is successful, they only need to use it within the validity period and do not need to pay extra.
Credit card cancellation method:
1. Call the bank credit card center to inquire about cancellation, mainly depending on whether your card is suitable for cancellation and whether there is a balance. When canceling the credit card by telephone, the bank accepts the user's application for cancellation of the credit card after receiving the call, and after deducting the annual fee receivable from all the cards under its account, the account balance is zero or the customer explicitly gives up the remaining deposit in the account.
Second, cancel the credit card at the bank counter. The cardholder must bring his ID card and the credit card to be cancelled to the bank to fill out the card cancellation application form. You can collect the card first, and then do the corresponding cancellation procedures one month later, but you can also make an appointment to cancel the account directly on the day of card cancellation.
In addition, credit card cancellation is divided into card cancellation and account cancellation. It is recommended to cancel the account after returning the card, otherwise there may be some problems in re-applying for the credit card. If there are still points in the credit card to cancel, it is recommended to redeem them all before canceling the card; After submitting the application for card cancellation, the cardholder shall not use the credit card again before it takes effect, otherwise the application for card cancellation will be automatically cancelled; After formal cancellation, cut it along the magnetic stripe of the credit card and discard it to prevent theft.
If the cardholder's credit card limit is very low, and he chooses to cancel the credit card at this time, the cardholder also needs to pay attention to his card holding situation. If you apply for a 1 time credit card, I suggest that you don't cancel it, because with this credit card, you can better support your personal credit. It is very helpful to improve your personal credit by swiping it, and it is also very helpful to apply for credit cards from other banks in the future. If the cardholder holds a large number of credit cards and thinks that his credit card is enough and wants to cancel it, then the cardholder also needs to seriously consider when applying for cancellation. If he holds too many credit cards, it will become more and more difficult to apply for them and it will become easier to cancel them.