How to inquire about the cancellation of credit cards?
After the credit card is cancelled, it usually takes 45 days to call the customer service to confirm. At this time, the bank customer service will tell you whether it has been cancelled. If you don't have to ask the reason at this time, you can continue to cancel. After canceling the credit card, you must not use it. If you swipe your card, there will be arrears. At this time, the credit card cannot be cancelled. The bank advises cardholders that after the normal account cancellation procedure, customers should also destroy the credit card entity, and the easiest way is to cut the magnetic stripe.
Credit card cancellation requires "three attentions". Credit card cancellation does not leave a "tail". Whether it is handled by telephone banking or at the bank counter, in addition to preparing the relevant proof card, you must also ensure that there is no debt in the card. If the deposit amount is small and you don't want it, you must explain it to the staff and let them clear it. Credit cards cannot be thrown away after cancellation. There is still a lot of personal information in the cancelled card, and as long as the card number is still there, it can still be used in some places, so don't throw it away. If there is no need for collection, the magnetic stripe should be cut out and handed over to the bank counter for special crushing.
The 45-day account cancellation period is actually called the account liquidation period, which is stipulated by the bank. The bank should ensure that there is no new transaction in the cancellation of the bank's credit card within a certain period of time, that is, when the next accounting period comes out, the credit card can be completely cancelled. At the same time, this is also a "careful machine" for banks to retain credit card users. After all, credit cards can bring benefits to banks.