Three main methods of card cancellation
1. Call the credit card center of the bank and ask about the cancellation, mainly depending on whether your card is suitable for cancellation, whether there is a balance, whether to pay the new year fee, and so on.
2. Cancel the credit card by phone. After receiving the call, the bank will accept the user's application for canceling the credit card.
3. Officially cancel the credit card at the bank counter. You must bring your prepared ID card, application form and credit card to be cancelled, go to the counter to accept the card transaction, and then wait for 45 days before canceling the transaction.
Two types of pin cards
1, single card cancellation
Cancellation of a single credit card in your name will not affect your use of other bank cards of this bank, but the bank will keep your name, address, credit status and other information, and you will not enjoy the preferential card opening for new customers when you apply for the bank's credit card again. Cancellation of a single card requires paying off all debts in the card.
2. Write off the whole family
Cancel all credit card accounts in your name, and the bank will no longer keep your name, credit status and other information. When you apply for this bank's credit card again, you will enjoy the card opening discount as a new customer. However, before you choose to cancel the whole account, you need to pay off all the debts on the whole account.
Suggestion: If you have more than one credit card or savings card of this bank, choose a single card to cancel the card; If you only have the only credit card in this bank and will not use it again, you will choose to cancel the whole household.
Matters needing attention in canceling the card
During the period when you just applied for account cancellation, you can still log in to online banking for consumption through your account password. However, some overseas websites only need to use the account number and CVV2 code on the face of the credit card to make consumption, without password verification. Therefore, whether you apply for account cancellation or not, you can't "print" your credit card number and CVV2 code at will. Only after you confirm that the credit card has been successfully cancelled can you declare the cancellation process over.
Under normal circumstances, there is no need to pay any handling fee for credit card cancellation. Cardholders can submit cancellation requirements by calling customer service hotline, online banking application, branch counter application, bank APP channel application, etc.