Credit card cancellation process:

First, verify the credit card account.

Before canceling the credit card, the cardholder needs to confirm whether he has paid off all the credit card debts. If not, he should pay off his debts before applying for cancellation of his credit card.

Second, the integral processing

When a cardholder cancels his credit card, he needs to check his credit card points first. According to his current credit card points, he should try to exchange some gifts or phone bills. Don't waste his credit card points After all, this is the points accumulated every time I swipe my card. After canceling the credit card, the credit card points will be cleared.

Third, the pre-sale account

Credit card holders can call the bank's customer service center, go through the formalities of pre-cancellation, and officially cancel their accounts at the counter of bank outlets.

Fourth, officially cancel the account.

The cardholder goes to the bank to apply for account cancellation. After 45 days, the bank needs to confirm that all the debts of the credit card have been paid off before it can close the account.

Verb (abbreviation for verb) card destruction

After the user cancels the credit card, the bank will destroy the card.

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.

How to cancel the credit card?

The cancellation process is as follows:

1. Call the bank customer service phone to apply for cancellation of the credit card. Note that at this time, bank customer service will generally retain you. If you decide to cancel the card, don't listen to him "fool" and insist on canceling it.

2. There will be a settlement period of 30 -45 days from the telephone application for cancellation to the formal cancellation. Never use a credit card again in the meantime.

3. 40 days after the cancellation, call the bank customer service to confirm whether the cancellation is successful, so as to avoid leaving a bad record for yourself because of the unsuccessful cancellation for special reasons.

4. Don't throw away the cancelled credit card everywhere. Cut the magnetic stripe and discard it to avoid being picked up by criminals and causing losses to yourself.

Extended data

For customers, if they plan to return their cards, it is best to leave time for card return before the next annual fee collection, so as to avoid paying an extra annual fee.

This export card is not the same as canceling the account. Some banks will keep customer information after canceling the card, but all customer information will be deleted after canceling the account. Therefore, it is suggested that cardholders cancel their accounts while returning their cards, which can not only ensure the safety of personal information, but also enjoy the preferential treatment for new customers when banks open new credit cards in the future.