How to cancel a credit card?

1. Call the credit card center of the issuing bank to access manual customer service.

2. Tell customer service that you want to cancel the card. The other party will routinely verify your information with you and ask you the reason.

3. The customer service will tell you that your request has been accepted. Please remove the magnetic stripe from the card yourself.

4. Customer service will notify you at the end. If you have any consumption or late payment fees between the last bill date and today's cancellation date, you should pay attention to the next month's bill and repay it

Not yet How to cancel activated credit card?

The method to cancel an unactivated credit card is as follows:

1. Call the 24-hour customer service number on the credit card to apply for cancellation. The customer service will cancel the card for you after confirming your identity;

< p>2. Go directly to the bank counter to handle the cancellation procedure, you need to bring your ID card and credit card;

3. 45 days after applying for cancellation, insert the credit card into the bank ATM machine, and then check the status of the credit card;

4. If the card is canceled successfully, the ATM machine will show that the card has expired; if the credit card can be used normally, be sure to contact the bank customer service in time and cancel the card again.

1. Definition:

A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.

It is in the form of a card with the issuing bank name, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

2. Classification:

Credit cards are divided into credit cards and quasi-credit cards. A credit card means that the cardholder has a certain credit limit and can use it within the credit limit. A credit card that is repaid after consumption; a quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, the quasi-credit card can be overdrawn within the specified credit limit. The so-called credit card generally refers to a credit card only.

3. Other information:

Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rate will be cancelled. The original upper limit is 5/10,000 of the daily interest rate and the lower limit is 0.7 times the daily interest rate of 5/10,000). On May 25, 2021, the Supreme People's Court issued and implemented the "Regulations of the Supreme People's Court on Several Issues Concerning the Trial of Bank Card Civil Cases".

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , electronic payment cards with full or partial functions such as cash deposit and withdrawal_On December 1, 2017, the "English Translation Standards for Public Service Fields" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.

How to cancel a credit card, how to use the card and how to cancel the account

How to cancel the credit card, how to use the card and cancel the account

There are two types of credit card cancellation, one is One is canceling a card, and the other is canceling an account. Card cancellation refers to canceling a certain credit card in the name of the cardholder. After canceling this credit card, you may still have many cards from this bank, even if you no longer have this card. For cards from other banks, the bank actually retains your name, address, credit status and other information. Generally, after the card is canceled, it can be re-opened within a short period of time.

Closing an account only refers to canceling all cards in a bank under the name of the cardholder. After the account is closed, all other information except your bad credit information will be deleted, and you will no longer be a customer of this bank. Therefore, if you want to handle other business, the procedures must be started from scratch.

Credit card cancellation process:

1. Check the bill

Before canceling the credit card, you need to confirm that all outstanding debts have been paid off. If you are not sure whether you still owe money, If you have paid the amount, you can check it by logging into the bank's official website or APP. It should be noted that even if you have not consumed it, you should check whether there are any additional fees, such as annual fees, overpayments, etc.

2. Pay off the debt

After checking the bill, if there is any debt, it needs to be paid off in time. The credit card cannot be canceled until it is paid off. If there is no debt, you can Proceed to the next step.

3. Call the cancellation phone number

After paying off the debt, call the customer service hotline of the corresponding bank and express your cancellation request to the staff.

4. Waiting for cancellation acceptance

After the bank accepts the business, it usually takes 45 days for the cancellation to be successful, because the bank needs to confirm that no new fees or charges will be incurred on the next billing day. Arrears.

5. Check the cancellation result

After 45 days, the cardholder can call the bank’s customer service hotline to check the cancellation result. If the cancellation is successful, the card can be cut up. Do not throw it away. To prevent it from being stolen by others.

This ends the introduction on how to eliminate credit card fees and how to eliminate annual fees on credit cards. Have you found the information you need?