Tip:?
Cancellation can only be made if there is no arrears.
After applying for account cancellation, it generally takes 45 days to take effect, and the points will be cleared after account cancellation.
If you do not meet the conditions of annual fee reduction, you will be charged an annual fee according to the number of months you use. It is recommended that you continue to use your card until you reach the annual fee reduction standard.
There is no overdue record. If the card is overdue, the personal credit report will generally show the repayment record of the credit card in the last 24 months. Even if the cardholder cancels the card, the overdue repayment record will be kept in the personal credit report for 5 years. If you want to cancel the overdue records related to the credit card, you should continue to use it for at least 24 months, and you must repay it on schedule after spending during this period, which will leave a good impression on the bank in your personal credit report that you have repaid it on schedule in the recent period. If the card is cancelled immediately, the credit history will be overdue forever, which will affect the application for loans in the future.
Extended data:
Some matters after account cancellation:
1. Please cut off the magnetic stripe and chip of the credit card and handle it properly after applying for cancellation. After cancellation, you can still log in to online banking, mobile banking and other channels to check the accounting information, and the original card can still receive repayment or refund.
2. If you want to resume using the credit card in the future, you can contact the customer service hotline to apply.
References:
Industrial and Commercial Bank of China