It is not difficult to cancel China Merchants Bank's credit card. As long as the cardholder carries his ID card and credit card, he can go to any outlet to cancel the account or return the card. It is difficult to cancel credit cards because banks usually go back to persuade cardholders to give up the idea of canceling their cards in order to retain customers. But as long as the credit card debt has been settled, customers can cancel their cards at will.

In addition, even if the credit card business is cancelled, the previous overdue records cannot be cancelled, and the overdue records will be automatically eliminated after 5 years from the date of settlement. If you don't want to have overdue records in your personal credit report, you'd better repay on time every period.

I. Credit card cancellation process

1, which meets the cancellation conditions.

Under normal circumstances, if your credit card has not been paid off, or the annual fee has not been paid, or there is a balance, it cannot be cancelled. Of course, individual banks have other requirements for credit cards. Therefore, you must ask clearly when calling the official customer service phone of the credit card.

2. Cancel telephone banking.

Basically, ordinary credit cards can be cancelled by telephone banking. Of course, some banks may be a little troublesome, while others are different, such as China CITIC Bank and China Merchants Bank, which are very convenient. Note that you can cancel your credit card by phone only if you can cancel it.

The bank counter has been cancelled.

Going to the bank counter to cancel is also the method used. But pay attention to the following points:

First: bring the necessary documents, such as ID card, credit card, and prepare the money if the credit card owes money!

Second: remember to avoid the rush hour of the bank, so as not to queue for too long and delay your normal work and life.

Third: truthfully explain the situation to the staff. If you really want to return your card, don't change your mind easily