How to cut special-shaped credit cards

Align the chip and cut. Special-shaped cards are non-international standard cards customized according to individual needs. This type of credit card can have various built-in chips. Chip cards retain complete personal information in the chip. If you want to destroy it, you need to align the chip and cut it. . Card base thicknesses include 0.3mm, 0.5mm, 0.6mm, 0.76mm, etc. The card sizes are also different from regular cards, and personalized patterns or commemorative pictures are used on the card cover.

How to cancel a credit card, how to cancel a credit card issued overseas

How to cancel a credit card, how to cancel a credit card issued overseas

Credit cards are the most popular among young people nowadays. It is a favorite way of consumption. Almost everyone has a credit card, and some cardholders hold multiple credit cards. However, more credit cards are not always better. Generally, about 1-3 credit cards are enough. Too many are inconvenient to manage, so some users will want to cancel credit cards that are not frequently used. Let me introduce to you how to cancel credit cards.

There are generally two ways to cancel a credit card, one is to cancel through a bank branch, and the other is to apply for cancellation by calling the customer service hotline of the credit card center.

1. Cancellation at a bank outlet

Generally, to cancel a credit card at a bank counter, you need to bring your valid ID card and credit card, then fill in the credit card cancellation application form, and handle the card collection transaction at the bank counter. At the same time, the cardholder also needs to go through the overdue account cancellation procedures, so that after one month, the credit card cancellation will be completed;

2. Call the credit card center customer service hotline to cancel the account

Usually in the credit card The bank's customer service hotline is printed on the card. After the cardholder dials the customer service hotline, he will be transferred to the manual service according to the voice improvement, and then inform the bank customer of his cancellation request. After receiving the cardholder's cancellation application, the bank customer service will Check the status of the user's credit card to see if there is any unpaid balance or annual fee. If there is no debt or balance in the credit card account, the bank will cancel the credit card for the user.

Credit cards are different from bank cards. There are no regional restrictions on canceling a card. Even if the credit card user applied for the credit card out of town and is not in the area where the card was issued, he can still cancel the card by calling the customer service hotline of the credit card center. credit card.

Note that credit card cancellation generally requires a cancellation period, which is 45 days. Therefore, credit card users need to call the bank’s customer service hotline to check the credit card cancellation status 45 days after applying to cancel the credit card to confirm whether the credit card has been successfully canceled. If the user confirms that the credit card has been canceled successfully, it is recommended that the user cut the card before discarding it.

How to cancel a credit card?

If the credit card is not activated and you don’t want it, you can just cut it up and throw it away; you don’t need to cancel the unopened credit card, and generally it will not incur any fees or affect your personal credit (except for specific card types, such as Some platinum cards charge fees even if they are not activated).

Credit card cancellation methods:

1. Card cancellation by phone: Cardholders can call the customer service hotline to apply;

2. Card cancellation at an outlet: Some banks adopt This method allows the cardholder to bring their ID card and credit card to any local branch to cancel the card. After filling in the account cancellation application form, the bank will report a copy of the cardholder's ID card and the filled account cancellation application form to the head office. After a period of time, the cardholder can call to verify whether his credit card has been cancelled.

3. Cancel the card at a designated location: There are also a few banks that require you to cancel your credit card at a designated location.

How to cancel a China Construction Bank credit card

How to cancel a China Construction Bank credit card:

1. Cancellation by phone: Call the CCB credit card customer service hotline (generally there will be a sign on the credit card) Contact information), dial and transfer to manual service, explain your intention to cancel the credit card, and then follow the customer service instructions to perform the corresponding operations and confirm the information.

2. Outlet cancellation: Just go to a China Construction Bank branch directly with your ID card and credit card, and cancel according to the requirements of the bank staff.

However, when canceling the card, you must make sure that there are no outstanding balances or overpayments on the credit card, and that there is no annual fee owed. This is something you need to pay special attention to. After the CCB credit card account is closed, the points will also be cleared at the same time, so you can redeem the points before canceling the card to use up the points to avoid wasting them. Because when canceling a credit card, the cardholder needs to explain the reason for cancellation. If a CCB credit card needs to be applied again after cancellation, the relevant review department of CCB will consider the previous reasons for cancellation, so re-applying for a CCB credit card after canceling the card within a short period of time will not be accepted. of. It usually takes 6 to 9 months before you can apply again.

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies 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.

Credit cards stipulated in the relevant laws of our country ("Interpretation 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, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card. 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. 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 bill date.

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 It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000). 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 cut the canceled credit card?

The magnetic strip is the top of the back, a rectangular frame, usually black, just cut it off

How to cancel a credit card? Understand these card cancellation procedures

Many cardholders have multiple credit cards in their hands, but most of them are unused. Such credit cards have great hidden dangers, so it is best to cancel them as soon as possible. However, many cardholders are not very clear about how to cancel a credit card. Let’s introduce the process of canceling a credit card.

How to cancel a credit card

1. Check account information

Before canceling a credit card, you need to check your account information to see if there is any outstanding balance on the card. Pay off, or whether there is any excess money in the card, such as overpayment, or money going to Kali Village. For details, you can log in to the credit card online banking or WeChat official account to check.

2. Pay off the debt or clear the balance

If you find that there is an outstanding debt, you must pay it back before canceling the card. Don’t think about it. If you say you owe a lot of money and can't afford to pay it off, the bank will not agree to cancel it, because before canceling, the bank will check whether there is any outstanding balance on the credit card; in addition, if there is excess money in the card, you must withdraw it. Take it out or use it through consumption.

3. Call the phone to cancel the card

After confirming that there is no outstanding balance or excess money on the card, call the customer service hotline of the card issuing bank and transfer the manual service to cancel the card. The customer service will It will be processed for you after verifying your identity.

4. Waiting for cancellation acceptance

Call cancellation will not be successful immediately. You need to wait for more than 40 days. Cardholders generally need to cancel the card in time 46 days after canceling the card. Call the bank to confirm whether the account has been closed.

5. Query the cancellation result

After the specified cancellation time, query the credit card cancellation result. Canceled cards need to be cut off. Regardless of whether you cut the card or not, never throw away the credit card. If someone takes advantage of it, the loss will be huge.

Summary: The process of canceling a credit card is still very simple, but canceling the card will cause the bank to lower your overall score. Because issuance of bank credit cards has costs, and credit cards are issued free of charge. Banks hope that cardholders will use their cards more to offset the costs, so everyone should not cancel their cards easily.

This ends the video introduction on how to cut a credit card and how to cut a credit card. Did you find the information you need?