Canceling a credit card can be done on your mobile phone. The cardholder directly contacts the bank's credit card manual customer service using his or her mobile phone number to apply for cancellation of the credit card. The bank will cancel the bank credit card after accepting the application. Another way to cancel a credit card is for the cardholder to go to an offline bank branch to cancel the credit card.

What should I do if I no longer use my credit card?

1. You can contact the credit card customer service phone number, WeChat customer service or QQ customer service to register and cancel.

2. Will suspending or canceling a credit card affect your credit record?

Many people now know that credit cards are linked to credit history. Whether canceling a credit card will affect your credit is an issue that everyone, including myself, is very concerned about.

The answer is: For credit cards that are used properly and have no overdue records, canceling the card when there is no balance or debt on the card will not have any impact on the personal credit record. However, if the cardholder has an overdue bad credit record while using the card, or if there is an unpaid balance on the card when the card is canceled, it will have an impact on the personal credit record. For credit cards that already have bad records, it is impossible to cancel the card to remove the bad records. The correct approach is: continue to use the card, maintain a good repayment record, and cover the old bad credit record with a new good credit record in the future.

3. Will there be risks if I only cancel the card but not the account?

In order to avoid unnecessary trouble, it is best to cancel the account when canceling the card. In addition, if you only cancel the card but not the account, you will be an old account in this bank, not a new account. Even if you apply again, you will not get the discount for new users.

4. Do inactive credit cards need to be canceled?

Generally speaking, if a credit card is not activated, there will be no annual fee. However, some high-end cards and credit cards with special materials, such as high-limit platinum credit cards, will incur annual fees even if they are not activated as long as they are issued. . In addition, as long as the card is issued, regardless of whether it is activated or not, it will be reflected on your credit report and occupy your total credit limit. Once there is a record of overdue repayment, it will affect your personal credit report. Therefore, unactivated credit cards should be canceled in time if they are not used. When we apply for a card, we must think clearly whether we need this card.

5. Will everything be fine after canceling the credit card?

After canceling a credit card, be sure to cut the invalid credit card along the magnetic strip to prevent the credit card from being stolen. In addition, if the credit card has been lost and you want to cancel it, to ensure safety, it is best to apply for a loss report first and then cancel it.

6. Do not use the credit card to be closed during the "clearance period". Some banks will need to wait for a "clearance period" of about 45 days when customers cancel their accounts to ensure that there is no delay in transactions with the card. Logout. During this "clearance period", cardholders must be careful not to use their credit cards for any transactions, otherwise the card cancellation will fail. After the "clearance period" has passed, the bank will automatically cancel the credit card for you. To be on the safe side, you can also call the bank for confirmation.