How to cancel the credit card if it is not activated
We applied for a credit card on a whim, and the card came down again. Then we thought calmly and found that we didn't need this card at all. What should we do at this time? In fact, the best way is to cancel this credit card, which can best protect our credit security, but can we cancel the credit card without activation? How to cancel it?
Generally speaking, a credit card can be cancelled if it is not activated. There are two cancellation methods:
The first method is to call the bank to cancel, and the bank's phone number will be printed on the card surface. After dialing, choose manual service and tell the customer service staff that it is necessary to cancel the credit card, so that it can be handled directly, which is very important.
Second, take your card to the bank counter and handle it directly. Go to a nearby bank and ask the staff to help with the cancellation procedures. Please be sure to bring your personal ID card.
how to cancel a credit card that has not been opened?
The method of canceling an inactive credit card is as follows:
1. Call the 24-hour customer service phone on the credit card to apply for cancellation, and the customer service will cancel the card for you after confirming your identity;
2. You need to bring your ID card and credit card directly to the bank counter for cancellation;
3. Insert the credit card into the bank ATM 45 days after applying for cancellation, and then check the status of the credit card;
4. If the card is successfully cancelled, the ATM machine will display that the card is invalid; If the credit card can be used normally, you must contact the bank customer service in time and then cancel the card again.
1. Definition:
A credit card, also called a debit card, is a credit certificate issued by a commercial bank or a credit card company to a qualified consumer.
it is in the form of a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit. Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment will be made on the BillingDate.
II. Classification:
Credit cards can be divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which cardholders have a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.
III. Other information:
From January 1, 221, 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 is .7 times of the daily interest rate, and the lower limit is .5 times of the daily interest rate). On May 25th, 221, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.
The CreditCard stipulated in the relevant laws of China (Interpretation of the NPC Standing Committee on the Provisions on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or some functions such as consumer payment, credit loan, transfer settlement, cash deposit and withdrawal. On December 1, 217, the Standard for English Translation and Writing in Public Service Fields was officially implemented, and the English name of the credit card was stipulated.
How to cancel if the credit card is not activated
The methods for canceling the inactive credit card are as follows:
1. Call the 24-hour customer service phone on the credit card to apply for cancellation, and the customer service will cancel the card for you after confirming your identity;
2. You need to bring your ID card and credit card directly to the bank counter for cancellation;
3. Insert the credit card into the bank ATM 45 days after applying for cancellation, and then check the status of the credit card;
4. If the card is successfully cancelled, the ATM machine will display that the card is invalid; If the credit card can be used normally, you must contact the bank customer service in time and then cancel the card again.
In most cases, citizens who have full capacity for civil conduct (citizens aged 18 or above in Chinese mainland) and have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.
people who apply for credit cards can be divided into units and individuals. The applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal personality within the territory of China. Each unit can get a main card and several (5-1) supplementary cards when applying for a credit card. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
generally, the application method is to fill in a credit card application form, and the contents of the application form generally include the name, basic information, economic status or income source, guarantor and its basic information of the applicant. And submit certain copies of certificates and certificates to the issuing bank. After the customer fills in the application form truthfully, he should submit the completed application form and relevant credit certificate. The application form is accompanied by a contract for using a credit card. The applicant authorizes the issuing bank or relevant departments to investigate its relevant information, submit a statement on the authenticity of the information, the privacy protection policy of the issuing bank, etc., and must have the applicant's autograph.
after receiving the application form and relevant materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the review mainly include whether the contents of the application form are true or not, evaluating the credit degree of the applicant, and reviewing the relevant information of the guarantor for the individual.
usually, the bank will examine the applicant's various information and economic situation according to the application materials to judge whether to issue a credit card to the applicant. The factors considered are the applicant's past credit history, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. The standards of different card-issuing banks are also different. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.
how to cancel a credit card that is not activated?
It is actually very simple to cancel an inactive credit card. Applicants can bring their ID card and credit card, find the relevant staff at the branch of the bank where the credit card belongs, and then cancel it.
a credit card, also known as a debit card, is a credit certificate issued by a commercial bank or credit card company to a consumer with qualified credit. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back.
consumers with credit cards can go to the special commercial service department for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.
The credit card stipulated in the relevant laws of our country (Interpretation of the NPC Standing Committee on the Provisions on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or some functions such as consumer payment, credit loan, transfer settlement, cash deposit and withdrawal.
On December 1, 217, the English Translation and Writing Standard for Public Service was officially implemented, stipulating that the English name of the CreditCard standard is Credit Card.
credit card consumption is a non-cash transaction payment method, and it is not necessary to pay cash when spending, and the repayment will be made on the BillingDate.
Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards with a certain credit limit within which the cardholder can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit.
The credit card generally refers to a debit card only.
from January 1, 221, 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 is .7 times of the daily interest rate, and the lower limit is .7 times of the daily interest rate).
On May 25th, 221, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.
in p>1915, credit cards originated in America. The earliest institutions that issued credit cards were not banks, but some department stores, restaurants, entertainment industries and gasoline companies.
In order to attract customers, promote products and expand turnover, some shops and restaurants in the United States selectively gave customers a kind of credit chip similar to a metal badge, which later evolved into a card made of plastic as a proof of customers' purchase and consumption, and launched the credit service of purchasing goods at this firm or company or gas station with the credit chip. Customers can buy goods on credit at these chip-issuing shops and their semicolons and pay for them on schedule. This is the prototype of credit card.
How to cancel a credit card without a card
If the credit card you applied for is not activated, you won't be charged any fees. Of course, if you really don't need it, you'd better cancel it. Therefore, the cancellation methods that failed to open the card are as follows:
1. You can call the customer service phone of the issuing bank to cancel. However, it is necessary to switch to manual service. By answering a series of personal information, such as ID number, contact number, home address, etc., the customer service can only cancel the card after confirming that it is my own.
2. You can handle it at the counter of the bank outlet. During the working hours of the counter, you can carry your ID card and bank card with you. After the identity verification is successful, the staff will cancel it and personally destroy the card.
3. insert the credit card into the bank ATM 45 days after applying for cancellation, and then check the status of the credit card.
4. If the card is successfully cancelled, the ATM machine will display that the card is invalid; If the credit card can be used normally, you must contact the bank customer service in time and then cancel the card again.
5. There is usually a time limit for the activation of credit cards, usually three months or half a year, counting from the date of card verification. If the time limit for the activation of credit cards of the issuing bank is determined, the card surface can be cut off without further treatment after the time limit.
How to cancel an inactive credit card
The cancellation process of an inactive credit card includes:
1. The cancellation process of the bank counter:
First, the cardholder should bring his/her valid ID card and the inactive credit card, go to a nearby card-issuing bank outlet and find a staff member to fill out the cancellation application form. Then the staff will confirm the information and enter the data. After entering the information, the bank will inform you that the cancellation has been arranged. Please check whether the cancellation is successful after 45 days.
2. customer service phone cancellation process:
directly call the customer service phone of the bank, follow the voice prompts to select the process and operation, or directly press "" to switch to manual service, and apply for cancellation to the customer service staff. After providing the ID number as required, you can cancel.
let's talk about how to cancel the credit card before it is opened.