How can I stop using my credit card after paying it off? Check out this guide

The overdraft of credit cards in advance makes many people use their cards without restraint. Fortunately, many people know how to step back from the brink and return their credit cards in time and plan not to use them again. But that doesn’t mean that there are no risks if you don’t use your credit card. If you want to completely make your credit card unusable, you have to take some measures. So, how can you stop using your credit card after paying it off? Let’s take a look.

How can I stop using my credit card after paying it off?

The most direct way to prevent a credit card from being used after it has been paid off is to cancel the credit card. If the cancellation is successful, the credit card will be invalid and you will not be able to use it even if you want to. Although credit card cancellation can be done with just a phone call, there are many things you need to pay attention to, such as whether to choose to cancel the card or account, as well as the cancellation time, cancellation preparations, etc.

1. Cancel the card or cancel the account: This depends on the number of credit cards under the name of the same bank. For example, if you only apply for one card at a bank, it is recommended to cancel the account; If you have multiple cards, you can cancel the account or just the card. If you don’t plan to use all the cards, choose to cancel the account. If you only want to use one of the cards, choose to cancel the card.

2. Cancellation preparations: One is to look at the credit card limit, that is, the limit before cancellation of the credit card should be consistent with the limit given by the bank. If the limit is less, the debt must be paid off. If the limit exceeds If you have more money, you have to swipe your card to spend it or take it out; for one, it depends on whether the credit card is overdue. If it is overdue, it cannot be canceled even if there is no debt, but if it is not overdue, it will be fine.

3. Length of cancellation time: Just make a phone call to cancel a credit card, but it will take 45 days to successfully cancel the credit card, that is, it will be postponed 45 days from the day the application is submitted. During this period, if there is no debt or deposit, , it will be officially canceled on the 46th day. You can check the cancellation status on the Hong Kong Economic and Daily News.

The above is the relevant introduction to "How to prevent a credit card from being used after it has been paid off". The last thing to remind is that after the credit card is canceled after it is paid off, the card can no longer be used. You will see this when checking your credit report. The status of the card shows cancelled. It may be difficult to apply for a credit card from the same bank in the future.

How to ban someone from using a credit card for life?

If there is a problem with your credit report, you will no longer have a credit card. Most banks will not provide you with a credit card because the risk is relatively high.

Extended information:

The reason why the credit card cannot be used

If the China Merchants Bank credit card cannot be used, the reason needs to be determined based on the business being handled:

1. Credit card swiping: The credit card cannot be swiped, possibly because:

a. The credit card has not been opened yet;

b. The credit card has expired;

c. The credit card has a limit;

d. The available limit of the credit card is insufficient;

e. All-currency credit cards cannot be used through domestic UnionPay channels.

If the above common situation is not the case, you can call the credit card customer service hotline to be transferred to a human to help you with further inquiries.

2. Credit card online payment: Common reasons for credit card online payment failure are as follows. If not, please provide a complete error message including Chinese/English/numeric codes.

a. Wrong query password;

b. One-click card lock release;

c. Online payment limit exceeded;

d. The online payment function is not enabled.

What to do if your credit card is restricted?

There are generally two types of restricted cards. One is that the bank directly deactivates the card, and your card cannot be used for consumption or cash withdrawals. . Another option is to derate. The occurrence of these two situations is usually related to the cardholder's irregular use of the card, which may lead to suspicion of cashing out. Once your card is suspended or has its balance reduced by the bank, you can only contact the bank's customer service to apply for reinstatement. Do it according to customer service requirements. There is no other way.

If your card has been used at a high-risk merchant and is monitored by the bank, the bank will contact the cardholder to replace the card.

In this case, the use will only be temporarily affected. Once the new card is received and activated, you can directly use the new card for consumption.

Another situation is that the merchant you are dealing with does not comply with the credit card usage rules. For example: real estate developers, overseas betting shops, etc. This type of transaction is restricted and cannot be paid by credit card.

I hope my answer can be helpful to you.

How to prevent the Postal Bank credit card from being used?

You can apply for card cancellation by calling the Postal Bank credit card 24-hour customer service hotline.

There must be no outstanding balance in the account when canceling the card, and to ensure the security of the account, the card must be with you when canceling the card over the phone. If the card is lost, it can only be canceled at the branch counter.

After canceling your credit card, please cut off the magnetic stripe of the card and dispose of it properly. After logging out, you can still log in to online banking to view your account information, and the original card can still receive repayments or refunds. Please pay attention to whether the credit card debt has been paid off. If you want to activate the use of a credit card in the future, you can contact the customer service hotline to apply. There is no handling fee for canceling a credit card and it will not affect the use of other cards that have not been cancelled.

How to freeze your credit card so that you can only pay off but not spend?

To freeze your credit card so that you can only pay back but not spend, you can call the credit card center to ask for temporary control, so that you can't swipe the card. Spend or withdraw cash, but you can pay back to your credit card.

1. The meaning of temporary control of credit cards

Temporary control of credit cards means that the cardholder cannot temporarily find the card, but cannot be sure whether the card is lost or reports the loss by someone other than himself. The practice of controlling cards.

2. Notes

Cardholders need to be reminded that CCB’s temporary account control has no time limit, while Bank of Communications and CITIC Bank have a time limit. If the cardholder fails to remove the control within the specified time, the card will enter the official loss reporting status and a handling fee will be charged. However, even if cardholders apply for temporary credit card control, they still have to bear certain risks. For temporarily controlled credit cards, banks only promise to lock out cash withdrawals at domestic shopping malls and counters; however, any losses that may arise from online transactions, telephone transactions, and overseas transactions are still borne by the cardholders themselves.

3. There are many banks that can implement temporary control on credit cards

For example, China Construction Bank, Bank of Communications, CITIC, etc. If the cardholder finds the card within this time, the temporary control on credit cards can be cancelled. Now, the credit card can be used normally again. However, there are still some banks that cannot use this service, such as China Merchants Bank, Shanghai Pudong Development Bank, etc. If it is a credit card from these banks, the cardholder needs to go through the formal loss report process. Speaking of this, many card friends want to ask about the temporary control of credit cards. Is there a fee? The editor's answer is that there is no charge for temporary credit card control, it is completely free. Cardholders are welcome to use this service to protect their credit cards.

Warm reminder: CCB’s temporary control of credit cards has no time limit, while Bank of Communications and CITIC have time limits. If the cardholder does not cancel the card within the time specified by the bank, the credit card will automatically enter There is a formal loss reporting process and there is a handling fee.

Even if cardholders apply for temporary control of credit cards, they still have to bear some risks, because currently banks can only lock domestic shopping malls and over-the-counter transactions, but cannot handle overseas; online, telephone transactions, etc. Locked, these transactions are at the cardholder's risk.

How to lock a credit card if you don’t want others to use it?

You can temporarily control the card through the bank's APP, or you can call the customer service hotline to freeze the card. The card must be retrieved in time. If it cannot be retrieved, ask customer service to replace the card for you.

This ends the introduction on how to make a credit card unusable and what to do with an unused credit card. Have you found the information you need?