The new credit card can be cancelled.

New credit cards can be cancelled, but cancellation is not recommended.

Because the time when the bank opened your credit card account and the time when you cancelled your credit card are recorded in the credit report, if you cancel your credit card as soon as you get it, the time interval must be very short. The next time you apply for a credit card, the bank will see this time as soon as it checks your credit information, and then it will definitely refuse.

In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.

Can I cancel my credit card if I don't want to use it?

It is not recommended to cancel the credit card if you don't want to use it, mainly because it will have some bad effects. According to the present situation of credit card, it is discussed in two situations:

1. Credit card with normal repayment

I used a credit card before, which led to arrears. I repaid it on time and it was not overdue. Under normal circumstances, such a credit card can be cancelled at any time, but if you want to know clearly, it will still be recorded in the credit report after the credit card is cancelled, and simple basic information, such as the amount and the bank where the deposit is made, will still be displayed, but the status will become cancelled.

In this way, the next time you apply for a credit card from the same bank, the bank will find the previous cancellation record during the examination and approval, and will ask the reason for cancellation during the telephone review. It is not difficult to imagine how much impact it will have on the card again. There are also banks that can't become new customers even if they cancel their credit cards and apply again, and they can't enjoy the card opening ceremony for new households.

2. Credit cards with overdue records

Many people don't want to use their credit cards after paying them off, and want to cancel their credit cards and eliminate bad records. As a result, they didn't expect the overdue records of credit cards to be displayed after cancellation, which was a bit wrong. It is important to know that the bad behavior of credit cards will not be eliminated until they are retained for 5 years from the date of termination, so cancellation after overdue repayment cannot eliminate bad records.

On the contrary, because the credit card can no longer be used after cancellation, new records can not be generated to cover the bad records, and credit business may be rejected before the bad records are eliminated.

It is troublesome to cancel the credit card. The use and handling of credit cards may be less troublesome, especially when handling credit cards. Many people get their credit cards in a few minutes when shopping in the mall, not to mention using them. Just swipe your card and enter your password. However, it is relatively simple to cancel the credit card, but it will be more difficult to apply for a new credit card, and the bank's audit will be stricter. Some banks even have relevant regulations that six credit cards will be cancelled.

Can I cancel my credit card?

Yes, credit cards can be cancelled. If you want to cancel your credit card, you can call the customer service phone of the issuing bank's credit card center to cancel it, or you can cancel it at a bank outlet with your ID card and bank card. However, it should be noted that the overdraft amount of the credit card has been paid off before cancellation, and the credit card can be completely cancelled within 45 days after cancellation, that is, there is no new bill or overpayment during the waiting period.

1. The China Banking Association published the revised "China Bank Card Industry Self-discipline Convention" on 20 13, requiring banks to provide cardholders with "time-tolerant services", that is, banks provide cardholders with repayment grace period services for a certain period of time.

Second, it should be noted that the grace period of each bank is different. For example, ICBC does not provide "time tolerance service" and "tolerance service", which means that the grace period for repayment of ICBC is 0 days; The grace period for repayment of CCB is relatively long, which is five days. As long as the debt is paid off within five days after the latest repayment date, the repayment can be made on time. The grace period for repayment of Bank of Communications is 3 days, ending at 9: 00 pm on the third day; The grace period for repayment of Industrial Bank is 3 days, and the grace period ends on the third day18; The grace period for repayment of Shanghai Pudong Development Bank is before the third day after the latest repayment date 19. The grace period for repayment date of ABC is 2 days. If you can't repay on time, you can pay off the debt within 2 days after the latest repayment date.

3. Credit card, also called debit card, is a credit certificate issued by commercial banks or credit card companies to qualified consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits. The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal? . 20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.

4. Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

Can I cancel my new credit card?

If you don't want to use the credit card you just applied for, you can cancel it directly. There are many ways to cancel a credit card. Generally speaking, there are several ways for banks to cancel credit cards:

1. Bank outlets cancel credit cards.

Generally speaking, many people will choose to cancel their credit cards at business outlets, because relatively speaking, canceling their credit cards at business outlets is the most convenient and safest way. Cardholders can directly cancel their credit cards at bank outlets, bring their credit cards and ID cards to be cancelled, and go to the outlets to handle them.

2. Call customer service to cancel the credit card.

Now no matter what bank's credit card has a customer service phone number, so, in addition to going to the business outlets to cancel the credit card.

You can also choose to use the bank customer service phone to cancel the credit card, call the bank customer service phone to transfer the manual service, and ask the bank customer service to cancel. This way of canceling credit cards is more convenient and faster.

Of course, credit cards generally need to be activated before they can be processed, so some credit cards need to be activated before they can be cancelled. Of course, as for whether it is not activated, it will be cancelled automatically.

It depends on which bank's credit card you apply for. Some bank credit cards have activation time limit. If it is not activated at maturity, the bank will automatically cancel it and cannot activate it again.

There is a certain difference between credit card cancellation and account cancellation. If you just return the card, the cardholder is still a customer of the bank, and you will no longer enjoy the benefits of new customers when you apply for a new card. After the account is cancelled, the customer does not belong to the bank's customers, and you can enjoy the new customer discount if you re-apply for the card.

If you just return your card, you won't be able to enjoy the treatment and preferential treatment of new customers the next time you apply for a credit card from the same bank, and canceling your account can avoid this problem. Therefore, it is best to cancel the account corresponding to the card at the same time. Re-apply for a credit card, and the bank can give it according to the treatment and preferential treatment of new customers.

Whether you cancel your card or account, you can call the bank directly or go to the bank counter to apply for account cancellation. Call cancellation is quick and convenient, so you don't have to queue at the counter. In addition, it takes 45 days to cancel the credit card.

It should be noted that the cancellation of the credit card does not mean the cancellation of the account:

According to the Administrative Measures on Customer Identification and Customer Identity Data and Transaction Records of Financial Institutions, bank account information shall be kept for at least 5 years from the year of transaction records. Therefore, after the credit card is cancelled, the account still exists, and the customer can also check the transaction record of this credit card as needed.

For customers, if they plan to return the card, it is best to unlock the card in advance and it takes time to return the card. Leave time to return the card before the next annual fee collection to avoid paying an extra annual fee.

In addition, card withdrawal is not the same as account cancellation, and some banks will still keep customer information after card withdrawal.

Closing the account will delete all the customer's information, so it is recommended that the cardholder close the account at the same time, which can not only protect the personal information security, but also enjoy the preferential treatment for new customers when the bank opens a new credit card in the future.

Time limit for applying for credit card interview:

After applying for a credit card, you only need to go to the outlet for face-to-face interview within 90 natural days after receiving the short message and card letter from our bank for the first face-to-face interview. After receiving the credit card, go to the CCB outlet in the city where the billing address is located as soon as possible for face-to-face signing.

If the face-to-face signing is not timely, we will have a SMS reminder. If the time limit is exceeded, the credit card application will automatically become invalid and the card can be cut and destroyed by itself.

Can I cancel my credit card immediately after I finish it?

The new credit card can be cancelled immediately, as long as it meets the conditions for the card issuing bank to cancel the credit card, it can be cancelled.

Users can decide whether to use the card for a long time after completing the credit card. If it is not used for a long time, users can apply for cancellation. It doesn't matter if you apply for cancellation just after you apply. You can also cancel your credit card immediately. There is no time limit. However, when applying for account cancellation, the cardholder needs to ensure that the credit card has no arrears before he can handle the account cancellation business.

Simply put, you only need to ensure that the credit card account is settled, and you can cancel the credit card business. In addition to requiring that there can be no arrears and no balance when returning the card, the cardholder also needs to maintain a good personal credit report. Only when the above conditions are met and there is no overdue or negative record can the credit card be cancelled.

If you cancel your credit card, first look at whether your card is activated. Inactive credit card: Generally speaking, if your credit card is not activated, there will be no annual fee. However, some special credit card products of individual banks are not activated and have annual fees. I'm afraid that not using it all the time will affect the credit record. Therefore, before opening the card, ask clearly whether there is an annual fee if they are not activated. In addition, please make sure that there is any balance of annual fee arrears in your account before cancellation. If not, you can call the bank customer service to apply for cancellation.

Credit card cancellation method:

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, and so on.

2. Cancel the credit card by phone. After receiving the call, the bank will accept the user's application to cancel the credit card, and deduct the annual fee receivable from all the cards under his account, and the account balance will be zero or the customer will definitely give up the remaining deposit in the account.

3. Go to the bank counter to officially cancel the credit card. You must bring your ID card, application form and credit card to cancel. Go to the counter to get the card transaction, and then wait a month to cancel the transaction. The first step to cancel the account is to receive the card, and then do the corresponding cancellation procedures one month after receiving the card, but you can also make an appointment to cancel the account directly on the day of card cancellation. So you don't have to go to the outlet after waiting for a month. The balance on the card will be directly transferred to the card after 1 to cancel the account at that time.

This is the end of the introduction about whether to cancel the credit card and whether to do it again after cancellation. I wonder if you have found the information you need?