What to do if the credit card is no longer used

The credit card is no longer used: For unopened credit cards, even if you do not intend to activate the card, you must cancel it, otherwise you will still be charged an annual fee every year Yes, it is recommended to cancel the credit card within one month after the card is issued, and no later than 12 months. Generally, bank counters do not provide credit card account cancellation services. It is not ruled out that some bank counters can provide such services. However, most banks require cardholders to call the bank's credit card center customer service to apply for credit card cancellation over the phone. If you no longer want to use your credit card, you must cancel it, remember! Otherwise, the bank will continue to charge annual fees and record the annual fees as overdue year by year. This will not only cause interest and late payment fees, but also affect the holder's personal credit!

Go to the bank counter to apply for credit card cancellation. The counter staff will conduct a comprehensive check on all interest charges on the canceled credit card;

Confirm at the bank that there are no arrears, including annual fees. After that, you need to fill in the relevant application form and submit the cancellation application through the counter system after being authorized by the authorized person;

4 At this time, the credit card information enters the pre-cancellation state, and the bank will set up a system for canceling the credit card account. There is a one-month "regret period". If the customer does not apply for reinstatement within one month, the system will automatically cancel the credit card officially. At this time, the customer does not need to go to the counter to handle the procedures. 1. If a canceled cardholder no longer wants to use a certain bank's credit card, he or she can apply to the bank for cancellation and terminate all usage rights of the credit card. Cancellation means canceling the credit card, but the bank still retains personal account opening information. Generally, after a card is canceled, it can be re-opened within a short period of time. 2. Account cancellation: After the customer cancels all credit cards of the bank, he or she then applies to the bank to cancel his or her account. After the account is closed, all information except bad credit information will be deleted. 1. After canceling the card, the customer is still an old customer of the bank and no longer enjoys the bank's new customer card discount. After canceling the account, the customer is equivalent to a new user. If you apply for a card again, you can enjoy new customer discounts.

2． After a credit card is canceled, the magnetic stripe information remains. After closing the account, all information will be gone and the credit card will be completely invalid.

What should I do if I no longer use my credit card?

The suggestion is that if you have multiple credit cards or debit cards from this bank, choose to cancel the card; if you only have the only credit card from this bank and will not use it in the future, If you don't want to use it again, choose to cancel the account.

The process of canceling a card or account is very simple. You only need to call the customer service number of the credit card. It will be done quickly. The credit card in hand has no use and can be destroyed by yourself. But before that, there are some things that cardholders need to pay attention to.

First of all, you need to check whether there is any unpaid balance in your credit card, and whether there is any overflow deposit. If there is any debt, you must pay it off before you can cancel the card or account. If there is an overflow deposit, , but also consume it first.

Second, look at how many credit card points you have and what gifts you can redeem them for. Otherwise, the points will be gone after canceling the card or account, and it will be a waste.

Third, check whether the credit card has any bad records in the past, such as overdue records. If so, it is best not to cancel the card or cancel the account, because the bad records cannot be eliminated and will always exist. In this case, it is recommended to continue using the credit card until the credit record is overwritten by new consumption records after 5 years.

Card cancellation process

1. Call the bank’s credit card center and ask about cancellation matters. It mainly depends on whether your card is suitable for cancellation, whether there is a balance, etc.;

2. Use the phone to cancel the credit card. After receiving the call, the bank will accept the user's application for canceling the credit card and deduct the annual fees payable for all cards under the account. If the account balance is zero or the customer explicitly gives up the remaining deposits in the account .

3. Go to the bank counter to formally cancel the credit card. Must bring

①prepare ID card;

②application form;

③credit card to be canceled. Go to the counter to collect the card and wait a month before canceling the transaction.

The first step to cancel is to collect the card. After collecting the card, you will go through the corresponding cancellation procedures one month later. However, you can also directly make an appointment to cancel the account on the day of canceling the card.

In this way, you don’t have to go to the branch to apply for it after a month. The balance on the card will be transferred directly to the card that was scheduled to be closed after one month.

What to do with a credit card that has not been used for a long time?

Cancel it.

1. When users face a credit card that has not been used for a long time, after consulting the official customer service of the card-issuing bank, they should pay off the outstanding balance as soon as possible, and the overpayment can be wiped off by swiping the card.

2. After completing the above steps, users who want to cancel can redeem all the points in their credit card.

3. After completing the above two steps, the user can officially cancel the useless credit card.

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Nowadays, the number of credit cards issued by major banks is increasing every year, which also shows that more and more people are using credit cards, and the number of credit cards each person holds There will be more and more cards, which will lead to some idle cards, including the following situations:

1. The limit is too low

2. There are few promotions

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3. The usage rate is relatively low

4. The card has been applied but not activated

5. The bank has applied for a more advanced card type

These long-term unused cards are also called sleep cards, especially the last one. After many friends have applied for a more advanced platinum card through a curve increase, they may have forgotten the original card in the excitement. If it is left unused for a long time, the card will be charged an annual fee without paying attention to it, and eventually it will become overdue.

So we must carefully check whether these cards appear in our credit cards. If so, we must deal with them as soon as possible. Today Cobain is here to talk to you about the process of canceling credit cards:

1. Before canceling the card, we need to confirm whether all the outstanding balances on our credit card have been paid. If there are still outstanding balances, we should pay off the outstanding balances before canceling the card.

2. Call the bank customer service and ask if your credit card has been overdue in the past two years. If so, it is recommended not to cancel the card for the time being. It should be used for at least two years, and Make sure that it will not be overdue during use, so that it will not affect your credit report.

3. Log in to the credit card’s mobile APP and check your points. If you have a lot of points, you can deal with them first, whether they are redeemed for gifts or phone bills. In short, don’t let the points go to waste.

After completing the above three things, we can call the bank customer service and ask to cancel the credit card. After the bank confirms that there are no problems, it will handle the card cancellation procedure for you. Credit cards canceled through banks do not need to be returned to the bank. Here, Cobain suggests that it is best to cut off the canceled cards. Of course, if you think the card looks good, you can also keep it for collection.

Special reminder to everyone, 45 days after canceling the card, it is best to call the bank customer service again to confirm whether the credit card has been canceled successfully!

In addition, many people seem to be a little vague about the concepts of card cancellation and account cancellation. Many friends think that canceling a card means canceling an account. In fact, this is not the case. There is a big difference between the two. We need to know that every cardholder has an account in the bank, and there may be many credit cards under one account. The so-called card cancellation only means canceling the credit card, while account cancellation means canceling all the information left in the bank.

So what should we do with those unused credit cards, cancel the card or cancel the account? In fact, after we understand the difference between account cancellation and card cancellation, this problem becomes very simple.

If the credit card really has very few discounts, and the chances of using it are very small, and there is no room to increase the limit, then we can choose to cancel the card; and if the credit card is obviously very useful, but because of my previous Some bad card usage habits have caused the credit card limit to not be increased. At this time, we can choose to cancel the account, maintain a close business relationship with the card-issuing bank, and apply for a credit card from the bank after half a year. I believe the limit will be greatly increased. promote.

What should I do if my credit card is no longer in use?

If your credit card is no longer in use, you can choose to cancel it. The cancellation methods generally include cancellation by phone or cancellation at the bank counter.

Telephone cancellation process: The user calls the customer service hotline of the card-issuing bank and is transferred to manual service. The customer service staff will verify the user's personal information and submit the cancellation application after verifying the information. The staff will inquire about the reason for cancellation and confirm whether the user has To cancel, after confirming the cancellation, wait for the 45-day risk period. On the 46th day, the user can call the customer service hotline to inquire whether the cancellation is successful.

Bank counter cancellation process: Users can go directly to the offline bank counter with their credit card and personal ID card.

You need to pay off the debt before canceling. If you still have points, it is best to dispose of them.

Credit card cancellation is divided into two types: card cancellation and account cancellation. If you choose to cancel the card, if you still want to use it later, you can apply for a new card from the bank; if the account is canceled, all credit cards under the same bank's name will be cancelled, and If you later want to use the credit card that has been canceled by the bank, you must apply again.

Note: If your credit card has just become overdue and cannot be cancelled, you should insist on using it for two years and pay it back on time during this period. You can overwrite the overdue record. Doing so will not have any impact on your credit report.

If you no longer want to use your credit card, what should you do?

If you no longer want to use your credit card, you must cancel it! Otherwise, the bank will continue to charge annual fees and record the annual fees as overdue year by year, which will not only cause interest and late payment fees, but also affect the holder's personal credit score. Go to the bank counter to apply for credit card cancellation. The counter staff will conduct a comprehensive check on all interest charges on the canceled credit card;

After the bank confirms that there are no outstanding debts, including annual fees, you need to fill in the relevant application form After being authorized by the authorized person, a cancellation application is submitted through the counter system; at this time, the credit card information enters the pre-cancellation state. The bank will have a one-month "regret period" for credit card account cancellation, and the customer does not make a request within one month. The recovery application system will automatically cancel the credit card officially. At this time, the customer does not need to go to the counter to complete the procedure.

1. If the credit card is no longer used due to personal reasons, it is recommended to cancel it immediately after paying off the balance.

1. For credit cards that have not yet been opened, even if you do not plan to activate them, you must cancel the card. Otherwise, you will still be charged an annual fee every year. It is recommended to cancel the credit card within one month after the card is issued, and no later than 12 months. What needs to be reminded here is that bank counters do not provide credit card account cancellation services. Most banks require cardholders to call the bank’s credit card center customer service and apply to cancel the credit card over the phone. There is the corresponding customer service phone number of the credit card center on the back of the credit card.

2. For credit cards that have been used normally, the balance must be paid off before the bank can cancel the credit card account. After the bank agrees and registers the account cancellation, the credit card will enter a 6-month freezing period (also called the risk period, the specific time may vary from bank to bank, generally between 45 days and 6 months). During the freezing period, if the If no new debts are incurred on the card, the card will be officially canceled successfully after the freezing period.

3. After successfully canceling the card, it is best to cut off the magnetic card of the credit card yourself. In addition to the situation where the credit card has a debt and cannot be cancelled, there are also people who deposit more money than the debt when repaying. , resulting in a balance on the credit card, and it is impossible to apply for card cancellation. It is recommended that the balance be consumed.

2. Depending on the situation, non-payment is not allowed. If the cardholder fails to pay the annual fee on time, the bank will regard this as an overdue repayment and report this record as a negative record. The personal credit database of the People's Bank of China is retained for a certain number of years.

This ends the introduction on how to deal with credit cards when they are no longer in use and how to deal with credit cards when no longer in use. I wonder if you found the information you need?