Question 1: What does it mean that the credit card is overdue but cancelled? Hello, did you activate this credit card, and there was no consumption after it was opened, resulting in an annual fee?

Account cancellation means that there is no debt, but there is an overdue record and it is blacklisted.

Call 95588 or inquire directly at ICBC.

If it is the annual fee generated when the activation card is not used, it can still be saved. As long as a certificate is issued, it means that it is not maliciously defaulting on credit card repayment.

Question 2: Can I cancel my credit card? The bank card with arrears cannot be cancelled, and I have never heard of calling the bank to stop. Under normal circumstances, interest is collected in this way.

You can ask the customer service to help you change it to installment repayment, and the interest is slightly lower than now.

If you owe it for a long time, the bank will call you to repay it, and then you will come to the door to collect money and be blacklisted. The high amount will also go through the valve of judicial procedure.

Because I was able to run such a high overdraft limit at that time, my monthly salary was four or five thousand. If I save some money every month and ask my friends for help, it shouldn't take long to pay it back.

Question 3: Can I cancel my account after the credit card debt is paid off? Sure, but your application is missing.

Question 4: Can I cancel the credit card I am using? I have to pay off my debt before I can cancel it.

Question 5: Can credit card arrears be directly cancelled? If you don't return it, there is no way to cancel it. When you cancel, the bank will let you return it first.

Question 6: Can I cancel the credit card account arrears? Credit card issuers have not paid back the debts to credit card users for a long time, and the credit information has been bad. In order to prevent the credit card users' arrears interest from accumulating endlessly, the card is cleared and cancelled.

After cleaning up the cancelled cards, the cancelled cards will be displayed when the customer inquires about the credit cards under the bank name with the ID card, but they still exist when inquiring about the amount owed by the credit cards, showing the total amount owed when canceling the cards.

If customers apply for loans or credit card business in this bank, they need to pay off their debts.

Question 7: The credit card is in arrears. The card has been cancelled by the bank and the money has not been returned. What is the impact on the personal credit report? You can go to the People's Bank with your ID card.

Your card has been cancelled, which may be more troublesome. Because before the performance, someone like you, the bank packaged this bad asset and sold it to an asset company (such as Oriental Company), and the asset company may ask you for money.

Ps: If you owe less money, it is estimated that the asset company has no time to take care of you.

Question 8: If the debt is not paid off, can I cancel my credit card? If it is a China Merchants Bank credit card, you need to close the credit card account before you can close it.

After the credit card account is settled, please call the customer service hotline 4008205555, enter your ID number or card number and inquiry password according to the voice prompt, and then select "9" to transfer the account to the service specialist for you. Cancellation is free and cannot be handled for you through the network service at present. Business credit card cancellation needs to contact the company to issue a special business processing form application.

Question 9: The credit card is in arrears, but it has been cancelled. First, the bank will issue you a new card when the credit card expires. If not, it will definitely be cancelled. According to the situation you described, your bank card should be cancelled after the debt is paid (it is estimated that the debt has been owed for a long time and the bank has frozen your bank card). Secondly, whether you want to be blacklisted or not depends on how long you owed at that time. If your credit card is frozen by the bank, you will be blacklisted. It will be fine in two years.

Question 10: My credit card has been cancelled. What should I do if I owe money? The cancellation of the card only means that the card in your hand can't be used, and the account is still in the bank, so you can return it.