How to cancel a China Merchants Bank credit card

The method to cancel a China Merchants Bank credit card is as follows:

1. Call the credit card customer service number to cancel. China Merchants Bank credit card can be canceled by calling the credit card customer service hotline 400-820-5555, but you need to provide some supporting information when canceling, such as: ID number, office phone number at the time of application, company name at the time of application, home phone number, etc. Registration history information.

Operating environment:

Brand model: iPhone13

System version: iOS15.0

App version: 10.0.0

After the bank checks and confirms the information, it will prompt "You have successfully canceled the card. Please use scissors or other tools to destroy the card." At this time, you only need to follow his instructions to destroy the card.

2. Go to a China Merchants Bank outlet to cancel your account. With your ID card, go to the bank where your account is opened to cancel your account.

3. Wait for the credit card to be canceled automatically. If there is no money in the debit card, it will be automatically put to sleep by the system after 2 years. When it is used in the future, it will prompt that it has not been used for a long time and is in a sleep state. To wake up the card, you can follow the bank SMS prompts.

Extended information:

1. A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

2. Credit cards stipulated in the relevant laws of our country ("Interpretations of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, An electronic payment card with full or partial functions such as transfer settlement, cash deposit and withdrawal, etc. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.

3. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate). ?

4. Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card A credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, the card can be overdrawn within the specified credit limit. The so-called credit card generally refers to a credit card only.

5. Starting from January 1, 2021, the credit card overdraft interest rate will be determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate will be cancelled. (The original upper limit was 0.5% of the daily interest rate, The lower limit is 0.7 times the daily interest rate of 0.5%). On May 25, 2021, the Supreme People's Court issued and implemented the "Regulations of the Supreme People's Court on Several Issues Concerning the Trial of Bank Card Civil Cases".

How to cancel a China Merchants Bank credit card

Hello, the methods to cancel a China Merchants Bank credit card are:

Cancel by phone. You can call China Merchants Bank’s credit card customer service hotline to apply for cancellation;

Cancellation at the branch. You can apply for cancellation at any branch of China Merchants Bank.

1. When canceling a credit card, you need to pay off the outstanding balance. If there are still unpaid bills, you cannot cancel.

Credit card is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. They are issued by banks or credit card companies to cardholders based on the user's credit and financial resources. Cardholders do not need to pay cash when using their credit cards and will pay back the amount on the settlement date. Except for the combination of some credit cards and debit cards, general credit cards are different from debit cards and cash cards. Credit cards are not debited directly from user accounts.

2. Credit card is a special carrier card with consumer credit issued by commercial banks to individuals and organizations for shopping, consumption, and depositing and withdrawing cash in banks. It is in the form of a card, with the name of the issuing bank, validity period, number and cardholder's name printed on the front, and a magnetic strip and signature strip printed on the back.

3. A real credit card has the following characteristics: cash deposits are not encouraged, consumption first and repayment later, interest-free repayment period, repayment in installments (minimum repayment amount), joining visa, master, etc. International credit card organization for worldwide use.

; 1: Development History of China Merchants Bank

1. On November 3, 2010, China Merchants Bank and China Unicom held a signing ceremony for a mobile phone business cooperation agreement in Beijing, and simultaneously released the China Merchants Bank APP1. 0 (iPhone version). Using this service, consumers can use iPhone to implement various financial applications such as bank account inquiries, transfers and remittances, credit card repayments, recharge payments, movie ticket purchases, subscription and redemption of funds and financial products. In addition, CMB APP 1.0 also launched the "Financial Assistant" function and the "Handheld Life" function, providing all iPhone users with a series of free financial information, practical financial tools and handheld life.

2. On December 28, 2012, China Merchants Bank APP 2.0 was released, launching "mobile financial life services" for the first time, expanding the service boundary from core financial scenarios to pan-scenarios for the first time. At the same time, CMB APP 2.0 also launched an online reservation function. Customers make reservations in advance. Within the agreed time, you can give priority to handling business at the agreed outlets, reducing customers' waiting time, smoothing the customer flow at outlets at different times, and improving customer service experience.

3. On November 19, 2014, China Merchants Bank APP 3.0 was released. It is committed to providing customers with mobile financial services, benchmarking against outstanding Internet companies in terms of product architecture, business processes, customer experience, appearance design, etc., and creating A new benchmark for mobile finance. "Minimalist finance and ultimate experience".

Operating environment: Apple 12, ios14, China Merchants Bank 9.9.0

How to cancel the credit card China Merchants Bank?

There are two ways to cancel the China Merchants Bank credit card

Method 1: Cancel the card through the China Merchants Bank customer service phone number. There must be no outstanding balance in the account when canceling the card. In order to facilitate the bank to verify the information, Keep your phone by your side at all times.

Method 2: Bring your ID card and the credit card that needs to be canceled to the bank counter. In addition to credit card cancellation, China Merchants Bank's telephone customer service can also perform operations such as bill balance inquiries, bank activity inquiries, bank card activation, credit card limit increase applications, and credit card loss reports.

On December 3, 2002, China Merchants Bank officially issued the first international standard dual-currency credit card in China, ushering in a new era of credit card consumption for Chinese people. After more than ten years of struggle and growth, China Merchants Bank Credit Card has formed three major visions: "to be China's best payment experience provider, to be China's best consumer finance expert, and to be China's leading diversified marketing platform". At the same time, it has also Won many honors.

Adhering to China Merchants Bank’s business philosophy of “Changing because of you”, China Merchants Bank Credit Card has continuously refreshed cardholders’ card experience through product innovation and service upgrades, becoming a leading brand in the credit card industry.

On June 22, 2018, the signing ceremony of the "Shanghai Jiao Tong University-China Merchants Bank Mobile Life AI Joint Laboratory" was held in Shanghai. The two parties will establish a joint laboratory to focus on the field of AI and facilitate the exchange of AI talents. With growth, we will jointly solve cutting-edge technical problems and promote the application and development of AI technology in the financial industry.

This cooperation is another important step taken by China Merchants Bank Credit Card to deepen the transformation of financial technology and develop artificial intelligence. The "industry-university-research" model will help both parties leverage their respective advantages and improve talent training and development. Technology research and development, intellectual property rights and other aspects have opened up a new situation of win-win cooperation.

In recent years, China Merchants Bank Credit Card has actively pursued digital transformation, forged ahead with determination, pioneered the construction of the financial Internet, and created a technological legend in the domestic credit card industry.

How to cancel a China Merchants Bank credit card

1. Find the credit card customer service hotline to cancel the credit card

Chinese Merchants Bank credit card holders can apply for credit card cancellation by calling the credit card customer service hotline at 400 -820-5555. When applying for cancellation, customer service will ask the cardholder to provide some supporting information, such as ID number, bank credit card reservation phone number, company name provided during application, home phone number and other information submitted for the card application. After verifying the information, the bank will tell the cardholder: You have successfully canceled the card. Please use scissors or other tools to destroy the card. After that, it means that the card has been canceled successfully.

If the cardholder does not destroy the card, it is deemed that the cardholder has the right to retain the card.

2. Cancellation through China Merchants Bank outlets

Card holders can bring their personal ID cards to the bank where the account is opened to handle the credit card account cancellation business. After the business is successfully processed, the Card canceled successfully.

3. The credit card is automatically canceled

If there is no money in the card, the system will put the card into sleep account and become a sleep card after 2 years.

Credit cards refer to credit payment instruments issued by the People's Republic of China and various commercial banks within the country (including foreign-funded banks and Sino-foreign joint venture banks, hereinafter referred to as commercial banks) to individuals and entities.

Credit cards have functions such as transfer settlement, cash deposits and withdrawals, and consumer credit.

Credit card classification

1. Credit cards are divided into corporate cards and personal cards according to the objects of use;

2. According to the credit rating, they are divided into gold cards and ordinary cards;

3. According to the currency, it is divided into RMB cards and foreign currency cards;

4. According to the carrier material, it is divided into magnetic stripe cards and smart cards (hereinafter referred to as IC cards).

Credit card processing

Commercial banks may not issue credit cards without the approval of the People's Bank of China.

Representative offices in China of non-financial institutions, non-bank financial institutions, and overseas financial institutions are not allowed to operate credit card business.

Credit Card Cancellation

After the cardholder has paid off the principal and interest of the overdraft, the account can be canceled if one of the following circumstances applies:

(1) The credit card is valid for 45 days days later, the cardholder does not replace the card with a new one;

(2) After 45 days have passed since the credit card was reported as lost, the cardholder does not have an additional card and does not replace the card with a new one;

(3) The credit card is not good , is included in the stop payment list, and the card-issuing bank has withdrawn the credit card for 45 days;

(4) The cardholder dies for some reason, and the card-issuing bank has withdrawn the credit card for 45 days;

< p>(5) The cardholder requests to cancel the account or the guarantor revokes the guarantee, and has returned all credit cards for 45 days; (6) The credit card account has no transactions for more than two years (inclusive);

(7) The cardholder violates other regulations and the card-issuing bank believes that the cardholder should be disqualified.

After receiving the credit card, the cardholder should immediately sign the same signature as the application form in the signature column on the back of the credit card, and use the same signature when using the credit card for transactions, otherwise, the resulting losses will be It shall be borne by the cardholder, unless otherwise agreed between the cardholder and the card issuer or otherwise stipulated by the acceptance institution or bank card organization.

Some specially designed cards do not require a signature on the back of the credit card, but a password must be set before they can be used normally. Cardholders can set a password through the channels specified by the card issuer.

China Merchants Bank Credit Card Cancellation Process

The China Merchants Bank Credit Card Cancellation Process is as follows:

Step 1: When canceling the card, please call the China Merchants Bank Credit Card Center customer service hotline: 4008205555 , Step 2: After the call is connected, press "1" to enter the Chinese service. Step 3: Press "9" again to switch to the cardholder's manual service. Step 4: Make a card cancellation request to the customer service specialist. Step 5: Inform The customer service specialist only needs your ID number, office phone number when applying, company name when applying, home phone number or information you have registered before.

Operating environment:

Brand model: iPhone13

System version: iOS15.0

App version: 10.0.0

Supplementary information:

1. Notes on canceling the credit card of China Merchants Credit Card:

1. During the process of canceling the card, if there is any balance in the card, it must be consumed in time. , if there is an arrears on the card and the annual fee has not been paid in full, you must pay off the arrears and annual fees immediately. Otherwise, the result of waiting for 40 days will be a failure to cancel the card.

2. The card cannot be canceled between the time you apply to cancel the credit card and the successful cancellation.

3. Canceling a credit card does not mean canceling the account. If you only apply to cancel the credit card, if you want to apply for a China Merchants Bank credit card next time, you will not be able to enjoy the benefits and benefits of new users.

2. China Merchants Bank credit card application information:

1. Proof of identity: usually an ID card (if you are using a new version of the ID card, a copy of the front and back is required), military personnel need Provide a copy of your military ID.

2. Work certificate: It can be the original work certificate issued by the employer (please indicate the specific company name, department, position and income, and stamp the company seal or personnel seal), or it can be promoted A copy of the work permit/plate that has been verified by the original and marked by the employee.

3. Proof of financial resources: It can be salary records issued by banks, or income tax withholding certificates, or documents proving the market value of houses, cars, deposits and investments (such as real estate certificates/car driving licenses/bank time deposit certificates) Photocopy) and other documents that can prove your financial level.

4. Other documents available for reference include: social insurance personal account list for the past 6 months, water and gas bills, credit card bills from other banks, etc.

3. Characteristics of China Merchants Bank credit cards:

1. There are many types of cards, with novel and beautiful styles, which are easy to attract people.

2. The service attitude of telephone banking is very good and very convenient.

3. Electronic banking and mobile phones are linked together and are relatively safe.

4. There will be an email notification for every purchase, and a text message reminder for every online transaction and general card transactions over 300 yuan.

5. The annual fee for China Merchants Bank credit card is waived in the first year. Generally, the annual fee for the next year can be waived after 6 purchases.

6. There is no annual fee for the China Merchants Bank All-in-One Card, only an account management fee.

7. The account management fee is only for debit cards such as the China Merchants Bank All-in-One Card. If the China Merchants Bank All-in-One Card is bound to the China Merchants Bank credit card, the account management fee for the All-in-one Card will be waived, but the annual fee for the credit card will be waived. The exemption method is only valid if you consume more than six times (including six times).

8. China Merchants Bank Credit Card has launched a mobile life platform. You can use your mobile phone to buy movie tickets, recharge mobile phones, check nearby special merchants and provide discounts.

This concludes the introduction on how to cancel a China Merchants Bank credit card and how to cancel a China Merchants Bank credit card account. Have you found the information you need?