How to cancel a credit card

1. It is recommended to cancel by phone. Call credit card customer service directly to apply. Cancellation can be made after customer service verifies personal information.

2. You can go to the bank to apply for cancellation. Bring your ID card to a nearby bank branch to cancel the card.

3. Note: Before canceling a credit card, please make sure there is no debt or balance in the account. It must be paid off according to the exact amount owed, down to the penny.

4. After canceling the card, destroy the card immediately. You can cut the card or burn it.

Credit cards can be canceled under the following circumstances:

1. The applicant does not receive the credit card. The applicant has just applied online, and the bank has not yet rushed to send the card or apply through agency channels. The salesperson did not submit the information. At this time, the cardholder can call the customer service center of the card issuer to cancel the credit card application. In this case, canceling the credit card has basically no impact on the individual.

2. The applicant has received an invalid credit card. For newly applied credit cards, if it has not been activated, there is no need to cancel the card. The general activation period is one year from the date of issue. If not activated for a specified period of time, the credit card will automatically expire.

3. Credit card in use. You must be prepared before canceling your credit card. First, you need to pay off any balance you owe on your credit card. If you save more money, you should also spend it. Make sure there is no more than a penny in your credit card account, and then call the customer service number according to the voice prompts to manually apply to cancel the credit card reservation. After the next billing date, if your account is flat, i.e. not much, not much, then your credit card can be canceled. Or you can cancel at the counter and bring the necessary documents, ID, credit card and cash. Explain the situation truthfully to staff.

Main functions of credit cards:

1. Credit cards are one of the fastest growing financial services. It is an electronic currency that can replace traditional cash flow to a certain extent;

2. Credit card has both payment and credit functions. Cardholders can purchase goods or enjoy services, or use credit cards to obtain certain loans from card issuers;

3. Credit cards are high-tech products that combine financial services with computer technology.

4. Credit cards can reduce the use of cash and money;

5. Credit cards can provide settlement services, facilitate shopping and consumption, and enhance a sense of security;

6. Credit cards can simplify payment procedures and save social labor;

7. Credit cards can promote product sales and social demand.

How to close a credit card account

If the customer no longer wants to use the credit card, the customer can directly call the customer service hotline of the card-issuing bank to apply for card cancellation. Before applying for card cancellation, it is best for customers to first confirm whether there are unpaid bills or excess overpayments on the card.

If there is, then the customer will not be able to successfully cancel the card if they apply for cancellation. Because the bank will require customers to pay off unpaid bill balances and withdraw overpayments before they can cancel the card.

It is precisely because of this that after a customer applies for cancellation, the bank will set aside 45 days to ensure that there is no flow of funds on the credit card before officially canceling it. In other words, after a customer applies for cancellation, the card will not be canceled until the 46th day, rather than immediately upon application.

If the customer applies for cancellation, it is best to call the bank after 45 days to inquire about the card status to see if the card has been canceled successfully. If the application is for cancellation of the entire account, then 6 months after the successful cancellation, the customer will go to the bank to apply for a card and he will be a new customer.

Can my credit card be unfrozen if it is frozen?

When we use a credit card, the credit card may be frozen due to some improper behaviors. So, can a frozen credit card be unfrozen?

Even if your credit card is frozen, it can be unfrozen. It mainly depends on how easy it is to unfreeze.

1. Frozen due to overdue payment

If your credit card is frozen because it is overdue for a long time, it will be kept for a period of time after you pay off the debt. If you have bad credit, you can apply to the bank for unfreezing, and most of them can be successfully unfrozen.

2. Frozen due to cashing out

If your credit card is frozen because the bank suspects that you cashed out, if you have not cashed out, explain the situation directly to the bank. Banks generally It will help you unfreeze it. If there is indeed arbitrage, you can only wait for a while and wait for the bank to calm down before trying to apply for unfreezing. Generally, if the situation is not serious, you can still successfully unfreeze.

3. The card is frozen due to abnormality

If your credit card is frozen due to abnormal circumstances, such as the card being lost, then after you find the card, You can then apply for unfreezing. Unfreezing is very easy. For example, if your account is frozen due to fraud, the bank will unfreeze it for you after handling the relevant matters.

How to turn off Credit Card Quick Pass

Credit Card Quick Pass can be turned off through mobile banking. The operation method is as follows:

1. Take China Construction Bank as an example, open China Construction Bank app, click where the arrow in the upper right corner points.

2. Next, click Security Center.

3. After entering the security center page, click Quick Payment Management

4. After entering the Quick Payment Management page, click the credit card that you want to turn off the Quick Pass function.

5. Next, click Suspend Authorization at the bottom of the page.

How to cancel a Bank of China credit card?

Bank of China has rich and colorful credit card activities and it is recommended to keep using it. If you really need to cancel, you can call the credit card customer service hotline to pre-cancel the account. After pre-cancellation, the card cannot continue to consume, but repayment is supported.

The above content is for your reference, please refer to actual business regulations.

This is the end of the introduction on how to close a credit card and how to close a credit card and make installment payments. Have you found the information you need?