how to deal with credit cards that have not been used for a long time? Try this

I believe that many people now have several credit cards in their hands, and many of them will be left behind if they are not used for a long time. This is not good. One thing may be that the annual fee will be deducted, and the other is that there are security risks. Therefore, if you feel that you really can't use them, the best way is to cancel them.

Of course, credit card cancellation is not random. You can follow these steps:

1. Settle the debt and balance:

After selecting the credit card that has not been used for a long time, it is best to call customer service to ask if there is any debt or overpayment. Pay off the arrears as soon as possible, and you can swipe off the overpayment. Of course, you can also choose to take it out, but you may have to pay the bank a little handling fee.

2. Use up credit card points

Credit card points are a kind of benefits given by banks, and will be cleared with cancellation. It's a pity that the points you have worked so hard to save for a long time don't need to be used. General uses include exchanging goods with credit cards in integral mall, and exchanging mileage with aviation cards. If you cancel your card instead of your account, see if you can transfer the points of this card to other cards in the same bank.

3. Officially cancel the credit card

Credit card cancellation can be divided into two types: card cancellation and account cancellation. If you cancel all the cards in the same bank name, you should choose to cancel the account. Just cancel one of the cards and choose to cancel the card. Don't make a mistake. You don't need to go to a bank outlet to cancel, just call the customer service to apply, as long as you confirm that there is no balance and arrears in the card, it will be handled for you, and if there is no refund and arrears within 45 days, the cancellation will be successful.

Finally, don't forget that after the credit card is cancelled, the credit card in hand is naturally useless, but in order to avoid information leakage, it is best to cut the card.

I don't want to use my credit card. What should I do?

If I don't want to use my credit card, I must cancel it! Otherwise, the bank will continue to charge the annual fee and record it in the overdue period year by year, which will not only form interest and late fees, but also affect the holder's personal credit information. Apply for credit card cancellation at the bank counter, and the counter staff will conduct a comprehensive liquidation and verification of all interest charges on the cancelled credit card;

after the bank confirms that there are no arrears, including annual fees, it is necessary to fill in the relevant application form and submit the cancellation application through the counter system after being authorized by the right holder; At this time, the information of the credit card enters the pre-cancellation state. The bank will set a-month "repentance period" for the cancellation of the credit card. If the customer fails to apply for recovery within one month, the system will automatically cancel the credit card. At this time, the customer does not need to go to the counter to go through the formalities.

1. If the credit card is no longer used for personal reasons, it is recommended to cancel it immediately after paying off the money.

1. For credit cards that have not been issued, even if you don't intend to activate them, you should cancel them. Otherwise, you will still be charged an annual fee. It is recommended to cancel the credit cards within one month after issuing them, and not more than 12 months at the latest. What needs to be reminded here is that the bank counter does not provide credit card cancellation service. Most banks require cardholders to call the customer service of the bank's credit card center to apply for cancellation of their credit cards. The back of the credit card has the corresponding customer service phone number of the credit card center.

2. For credit cards that have been used normally, you must pay off the arrears before you can apply to the bank for credit card cancellation. After the bank agrees and registers to cancel the account, the credit card will enter a 6-month freeze period (also called risk period, the specific time may vary from bank to bank, usually between 45 days and 6 months). If there is no new debt on the card during the freeze period, the card will be officially cancelled after the freeze period.

3. After the card is successfully cancelled, it is best to cut the credit card magnetic card yourself. In addition to the situation that the credit card can't be cancelled due to arrears, some people deposit more money than the arrears when repaying, so it is impossible to apply for card cancellation because there is a balance on the credit card. It is recommended to spend the balance.

2. According to the situation, it is not allowed to pay the fee. If the cardholder fails to pay the annual fee on time, the bank will regard this as overdue repayment, and will submit this record as a negative record to the personal credit database of the People's Bank of China and keep it for a certain period of time.

what should I do if my credit card is not used?

The suggestion is that if you have multiple credit cards or savings cards of this bank, you should cancel them. If you only have the only credit card of this bank and you won't use it again in the future, choose to cancel the account.

the process of canceling the card and account is very simple. You only need to call the customer service number of the credit card, and it will be done soon. The credit card in your hand is useless and can be destroyed by yourself. However, before that, cardholders still have some things to pay attention to.

first of all, it depends on whether your credit card still has arrears and overflow deposits. If you have arrears, you must pay them off before you can cancel your card or account. If you have overflow deposits, you must spend them first.

second, look at how many credit card points you have and what gifts you can exchange, otherwise the points will be gone after you cancel your card and account, and it will be wasted.

Third, check whether there are any bad records of credit cards in the past, such as overdue records. If there are, you'd better not cancel your cards or accounts, because bad records will always exist. In this case, it is recommended to continue to use the credit card until the credit record is covered by the new consumption record after 5 years.

process of card cancellation

1. Call the bank credit card center to ask about cancellation, mainly depending on whether your card is suitable for cancellation, whether there is a balance, etc.

2. Cancel the credit card by phone. After receiving the phone call, the bank will accept the user's application for canceling the credit card, and after deducting the annual fees receivable from all the cards under his account, the account balance will be zero or the customer explicitly gives up the remaining deposit in the account.

3. Go to the bank counter to formally cancel the credit card. You must bring

① an ID card;

② application form;

③ the credit card to be cancelled. Go to the counter to receive the card transaction, and then wait for one month to cancel the transaction.

the first step of cancellation is to receive the card, and the corresponding cancellation procedures will be done one month after the card is received, but you can also make an appointment to cancel the account directly on the day of card cancellation. This way, you don't have to go to the outlets after waiting for a month. The balance on the card will be directly transferred to the card for account cancellation at that time after January.

let's stop here for the introduction of how to do if the credit card is useless.