What are the ways to completely cancel the credit card account?
Credit card cancellation is only for this card. In fact, the account is still there, and all kinds of records in the account are still there, and the cancellation of the account is completely eliminated. However, the cardholder needs to make it clear to the bank that the account cancellation request can be successful. If individuals have the idea of canceling their accounts, they should pay attention to the following points.
1. Check whether I still owe money before checking out. If I apply for closing my account before the debt has been paid off, the bank will not close my account because there are loopholes in my personal credit record. Therefore, it is a safe way to cancel the account after paying off the debt;
Before closing the account, please check whether I have any other credit cards in this bank. If yes, please cancel the card first, because multiple credit cards are used at the same time, and the bank cannot cancel the account for an individual;
Pay attention to carefully check whether my account has been successfully cancelled. Under normal circumstances, the application for account cancellation will be processed within 45 days after the application. The handling personnel can try to call the bank after 45 days to ask whether the account cancellation is successful.
Cancellation of credit cards has no direct impact on credit. Generally speaking, it is important that the amount in the credit card is not paid off or the repayment is overdue. Therefore, before choosing to cancel the credit card, individuals must first make sure that the money in the card has been paid off, otherwise it will bring unnecessary trouble to themselves, and it will be more difficult to apply for a credit card next time.