How to cancel a Shanghai Pudong Development Bank credit card?

There are two main ways to cancel a Shanghai Pudong Development Bank credit card.

Customer Service Telephone Cancellation of Credit Card You can apply for card cancellation by calling the 24-hour customer service hotline 800-820-8788. There must be no outstanding balance in the account when canceling the card, and to ensure the security of the account, the card must be with you when canceling the card over the phone.

2. Cancel the credit card at the counter.

If your Shanghai Pudong Development Bank credit card is lost, you can only cancel the card at the branch counter. If there are new accounts payable within 45 days (inclusive) of card cancellation, you will still be responsible for it. If there is no outstanding balance or over-deposit in the account 45 days after the card is canceled, the system will automatically cancel the account without any procedures.

To cancel a Shanghai Pudong Development Bank credit card, you can apply over the phone or at the counter, regardless of whether you are out of town or not. However, when applying to cancel a credit card, you must meet the premise that the credit card can be canceled before you can cancel it over the phone.

Call the credit card customer service number of Shanghai Pudong Development Bank and enter the information according to the prompts to cancel the account. It’s just that the credit card customer service hotline of Shanghai Pudong Development Bank may not be accessible.

There is also a traditional method to log out at the bank counter:

(1) Bring valid documents, such as ID card and credit card.

(2) Go to the bank to get the reservation number and queue up

(3) Explain to the service staff that you want to cancel your account, give your credit card to the bank staff, and fill out the relevant application.

(4) Then the credit card account cancellation is completed.

The process of canceling the credit card of Shanghai Pudong Development Bank is almost the same, and it is also possible to cancel the card in another place.

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How to cancel a Shanghai Pudong Development Bank credit card?

Just call Shanghai Pudong Development Bank’s official 24-hour customer service hotline 95528 to apply for cancellation.

According to the provisions of Article 6 of the "Shanghai Pudong Development Bank Credit Card (Personal Card) Agreement"

Termination of Credit Card

If Party B needs to terminate the credit card account , you can call Party A’s customer service hotline to apply for account cancellation. When applying for account cancellation, all outstanding amounts on Party B's credit card (including any transaction amount that has occurred but has not yet been debited to Party B's credit card account) will be deemed to be fully due, and Party B shall pay off the amount in one go.

If Party B fails to repay all overdraft principal, interest and related expenses in full, Party A has the right not to handle the account cancellation procedures. If Party B needs to terminate a card under his credit card account, he can call Party A's customer service hotline to apply for card cancellation.

Extended information:

Relevant provisions of the "Shanghai Pudong Development Bank Credit Card (Personal Card) Agreement"

Party A must follow the electronic cash account and credit card account Handle the account cancellation procedures for the two accounts separately in the order of priority. Party A should first cancel the electronic cash account, and then call the customer service of Party B’s Credit Card Center to cancel the credit card account. When canceling a co-branded card electronic cash account, you need to bring your valid ID and co-branded card to Party B's business outlets or designated China Mobile business outlets to complete the cancellation operation.

Party B has the right to terminate Party A's co-branded card, or suspend all rights of Party A to use the co-branded card or use specific services in accordance with national laws and regulations.

When cardholders terminate the use of their electronic cash accounts, they should go through the card cancellation procedures in accordance with the relevant regulations of the card-issuing bank. When the cardholder cancels the card, the card-issuing bank will return the electronic cash account balance to the card's credit account. If a new card has not been issued for one year after the expiration of the electronic cash composite credit card and the card cancellation procedure has not been completed, the electronic cash account balance will not be refunded.

Shanghai Pudong Development Bank-Shanghai Pudong Development Bank Credit Card (Personal Card) Agreement

I just applied for a Shanghai Pudong Development Credit Card, how can I cancel it?

Bring it Bring your credit card and ID card and go to the counter of a Shanghai Pudong Development Bank branch to apply for cancellation.

1. Take your number first and wait for your number to be called.

2. Submit an application to the staff.

3. Wait for the staff to check the information and confirm that there is no debt owed before canceling.

4. Sign the form, confirm the cancellation and then cut the card.

Article 20 of the "Credit Card Regulations of Shanghai Pudong Development Bank": During the validity period of the credit card, the cardholder must notify the Bank when applying to cancel the credit card or credit card account. If the cardholder applies to cancel the credit card account, he must also repay the amount incurred under the credit card account. of all debts.

The Bank has the right to cancel credit cards or credit card accounts with reasonable reasons. The cardholder of the canceled credit card account must immediately pay off all debts incurred under the canceled credit card account according to the Bank's requirements.

Extended information:

"SPD Bank Credit Card Regulations"

Article 12, the maximum validity period of a credit card is 10 years, and it will automatically expire after expiration, but The creditor-debt relationship incurred by the cardholder using the credit card remains unchanged. If the cardholder is unwilling to exchange for a new card when it expires, he or she should notify the Bank in writing or other mutually agreed forms one month before the expiration of the credit card, and go through the procedures for canceling the card.

Otherwise, the Bank will regard the cardholder as voluntarily renewing the card when it expires, and the Bank will determine whether to issue a new card to the cardholder. The Bank has the right to cause the cardholder to violate these Terms and Conditions. It was decided not to issue a new card to the cardholder due to reasons such as the collection contract.

Article 25: The Bank does not charge interest on the funds in the credit card account.

Article 26: Cardholders can enjoy the following preferential conditions when conducting transactions with credit cards:

(1) Interest-free repayment period. The period from the Bank's accounting date to the due repayment date specified by the Bank is the interest-free repayment period. Cardholders can enjoy the interest-free repayment period and do not need to pay interest on non-cash transactions if they repay all the money used before the due date of repayment. The interest-free repayment period is up to 50 days.

(2) Minimum repayment benefits. Cardholders can also repay according to the minimum repayment amount stipulated by the Bank.

Reference materials:

Credit Card Regulations - Shanghai Pudong Development Bank

How to cancel the application for Shanghai Pudong Development Credit Card

The customer service hotline of Shanghai Pudong Development Bank Credit Card is 400-820- 8788 or go to the branch to apply for cancellation.

Credit card application requires a series of procedures, and you can apply for cancellation as long as the card is not obtained.

Credit card application process:

1. Receive application form:

Method:

①Call the application hotline to obtain the application form;

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②Apply for a credit card online;

③Collect it at any Shanghai Pudong Development Bank branch.

2. Fill in the relevant personal information on the application form;

3. After confirming that the filled-in information is correct, sign your name in the signature column;

4. Attach the required documents according to the prompts on the application form;

5. If you choose to fill in the complete application form online, please confirm "Submit" and "Print" as prompted.

Extended information

Credit card applications must be canceled in time. Once the credit card is approved, it will appear on the personal credit report regardless of whether it is activated or not. The total number of individual card holders and total credit limit will change accordingly. Once the number of cards held and the credit limit are too high, it will affect the bank's credit review. When applying for a credit card again, the limit will easily be affected.

In addition, if you hold multiple inactive credit cards, when you apply for a credit card again, the bank may think that the customer does not really need the credit card, and the probability of being rejected is also greatly increased.

If the cardholder does not carefully identify the provisions of the terms and conditions when applying, and authorizes the bank to automatically deduct fees from the account, annual fees may be incurred. At the same time, due to the complicated production process of customized credit cards and special material cards, fees will be charged regardless of whether the cardholder activates the card after the card is produced. After fees are incurred, if the cardholder puts the card away, additional interest may accrue and it may also leave a stain on his or her personal credit record.

Baidu Encyclopedia - Shanghai Pudong Development Bank Credit Card

Ifeng.com - There are many risks if you apply for a credit card but do not activate it

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