Some cards charge an annual fee even if they are not opened. It is clearly stipulated that banking financial institutions shall not deduct any fees before cardholders activate their credit cards. Except for platinum cards, banks have clearly stipulated that an annual fee will be charged after the platinum card is issued, regardless of whether the card is activated or not. Moreover, it is clearly stipulated that the card will charge an annual fee when it is opened, which means that the cardholder has authorized the bank to charge an annual fee in writing.

even if it is not activated, handling multiple credit cards is recorded in the cardholder's personal credit information system. Under this premise, if the cardholder wants to apply for a new credit card or loan in the future, it may be affected. The bank will consider that the cardholder has integrity or no need to open multiple credit cards, or it will reduce the success rate of credit card loan approval.

at present, there are two channels for cancellation: through telephone banking, the bank will cancel within a certain working day by inputting the relevant information of the cardholder; Fill in the credit card cancellation application, go to the bank counter and cancel it in time.

Credit cards have overdraft function, and the information of each credit card account will be backed up in China People's Bank. Even if the account is cancelled, its original information will be saved. The cancellation of a credit card account does not mean that the account disappears, but the account still exists.

so, after the credit card is cancelled, you must cut the card and magnetic stripe. If you lose your credit card, you must report it to the bank at the first time. Only by effectively controlling the risk can you reduce the loss. ?

Extended information

Credit card cancellation process:

If you want to cancel your card, you can not only bring your ID card and credit card to the bank counter for cancellation, but also call the bank customer service center to explain the reasons and ask for cancellation of your credit card. After verifying the identity information of the cardholder, the bank staff will take the initiative to pre-cancel the account for the customer.

the credit card can't be used after it is pre-sold, and no other expenses will be incurred. However, customers should call the bank credit card customer service center again 45 days after the pre-sale to confirm whether the account has been officially cancelled. After the card is successfully cancelled, it is best to cut the credit card to prevent it from being used by others after it is lost.

The matters needing attention before canceling the card are as follows:

1. Before canceling the bank credit card, please make sure that there is no debt in your account and there is no balance;

2. If there are any bank credit cards that are not intended to be used or are not activated, please cancel them in time, and the bank credit cards that are not activated will also be charged an annual fee;

3. When you cancel your credit card, the customer service specialist may retain you with various discounts. Please be psychologically prepared in advance and prepare the corresponding reasons.