Many people seem to be a little confused about the two concepts of card cancellation and account cancellation. Many friends think that canceling a card means canceling the account, but this is not the case. Card cancellation refers to canceling a single credit card, while credit card account cancellation means eliminating all credit cards from the card-issuing bank under your name. To put it simply, canceling a card is just to eliminate one of the cards, and canceling all the credit cards is called account cancellation.

Next, the editor will introduce to you the process of canceling the card. Cardholders in need please read it carefully.

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

(1) To cancel a credit card, you can do it through online banking or go to the counter of the local card issuing bank with your card. Logout.

(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 center;

2. Cut off the successful cancellation Credit card: 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 the outstanding balances on the card, and make sure there is no balance overflow: before canceling the card, we need to confirm whether the current balance on the card has been paid in full.

4. Waiting period for inspection: Generally, the period for bank inspection is 45 days, but for some banks, it can also be within three months. After applying for card cancellation, the credit card will not be canceled successfully 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 are debts, they need to be After this period of time has passed, you can confirm whether the cancellation application has been successful.