You can cancel your credit card just after applying.

If you don’t want to use the credit card you just applied for, you can cancel it directly. There are many ways to cancel a credit card. Generally speaking, banks mainly use the following methods to cancel credit cards:

1. Cancel bank cards at the counter through bank branches

All major banks have windows for credit card cancellation, and Bring relevant documents, such as ID card, credit card, etc.; if you have a credit card debt, please bring cash and pay off the debt.

2. Cancel credit card through official online banking

All major banks in China have online banking. You can upload ID card, credit card and other information, fill in the account cancellation application, submit the application and wait for the bank's call. Confirm

3. Cancel the credit card through the official credit card customer service phone number

Call the official credit card service number, transfer to manual service, and ask the manual customer service to apply for cancellation of the credit card. Before calling, please make sure that there is no outstanding balance on your credit card, otherwise you will not be able to cancel your account.

4. Cancel the credit card through the official WeChat official account or the official WeChat official account.

Currently, all major banks in China have WeChat public accounts. If you are bundled and find that it has been cancelled, you can cancel it on the WeChat official account.

5. Cancel credit cards through the bank’s official APP

Currently, major banks, including credit card service centers, may have their own official APPs that can directly cancel credit cards.

Problems caused by credit cards:

1. Consumers who are capable are not accustomed to using credit cards and often do not exceed the credit card consumption limit

2. Inability to spend People prefer to use credit cards, but their solvency is poor and the probability of default is high

3. With a credit card, many people spend more than without a credit card

4. When using a credit card, the handling fee is high, which may Have a negative impact on credit reporting

A credit card is a credit certificate issued by a commercial bank or credit card company to qualified consumers

Applying for a bank card:

Chapter Step one: Screen banks.

At present, all major domestic banks handle credit card business, with different amounts, which is related to personal consumption records and bank card circulation records. You are free to choose before processing. It is recommended to choose a bank where you have previously opened an account and apply for a large credit card.

Step 2: Prepare materials.

ID card and work permit are required. Salary cards, driver's licenses, real estate certificates, bank statements and other materials can be used to increase the credit card limit.

Step 3: Process at the counter.

Bring the information to the bank counter, fill out the credit card application form, submit the materials, and apply for a credit card under the guidance of bank staff.

Step 4: Apply online.

Major banks have also launched online credit card services. Just provide the relevant information online and the card can be mailed after verification.

Step 5: Apply online.

Online processing is very fast and convenient, but the review will take some time.

Step 6: Banks actively look for customers.

In order to seize the credit card market, some banks will regularly hold activities to attract consumers. If you can catch up with the event and fully understand the content of the event, you can also apply for a credit card in time.

Step 7: Suggestions and opinions.

As credit cards become faster and easier to process, the risks of credit card use also increase exponentially. Consumers should adopt a rational consumption attitude towards the use of credit cards. Prevent you from affecting your personal credit. At the same time, be very careful when using your credit card to prevent it from being stolen.