How to issue a credit card account cancellation certificate

You can handle the card collection by dialing ICBC customer service hotline 95588, and the account can be canceled after one month. You need to fill out a business application form when you bring your card and ID card to the counter, which is not a hassle. The card can only be canceled one month after receiving it.

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There is no need to issue a certificate to cancel a credit card. You can just call the customer service of your bank to cancel the card. Bank credit card account cancellation process:

1. Call the bank credit card service hotline, and the customer service staff will inform the customer of the credit card status;

2. 45 days after applying for account cancellation, if the customer If there is no outstanding balance on the credit card, the bank customer service staff will close the credit card account;

3. If the credit card still has outstanding balances, it must be repaid before it can be canceled;

4. Any remaining balance can be refunded at a bank branch.

Recovery after cancellation of bank credit card:

1. The card can be recovered without closing the account. If the account is not closed, you can restore the card through customer service staff and check the card opening information as required.

2. If the card is canceled and the account is canceled, it cannot be restored. If the cardholder goes through the account cancellation procedures when canceling the card, the credit card recovery process will not be possible.

China Merchants Bank: Currently, as long as you have a regular job, you can apply with a copy of your ID card and work certificate (copy of the front of the access card or work certificate from the start of the company, etc.). It is best to go directly to the direct sales place, which is more convenient. China Merchants Bank currently offers many card types, and you can choose according to your preferences.

China Construction Bank: At present, China Construction Bank in some areas of the country requires applicants to pay 4 gold before applying (especially in Shanghai). Just an ID card is enough. It is also recommended to go to direct sales.

Bank of Communications: Currently there are three types of Bank of Communications credit cards - Youth Card, Standard Card and Co-branded Card 1) Youth Card: If you graduated in 2003, have a college degree or above recognized by the National Education Commission, and have a fixed Working (the probation period has expired), aged between 18-30 years old, you can apply with your ID card alone. This can be done over the counter or through direct sales. The limit of this card generally starts at 5,000, and the cash withdrawal limit is the same as the credit limit, making it more cost-effective for young people to use.

Standard cards: such as Phoenix Carp Card, the recently launched Expo Card, etc. For such a card, applicants must be over 18 years old, but not over 65 years old; have a regular job and have a pre-tax annual salary of at least 24,000; when applying, they must submit a copy of their ID card, proof of income and proof of residence, if they are in Shenyang , you must also have a real estate certificate. In addition, it is best to pay a fee when applying now. You can submit information to direct sales, because currently the counter no longer accepts personal submissions, unless you apply for a card (you have a credit card from another bank and have held the card for more than 6 months) or you apply for an additional card (you already have a Bank of Communications credit card).

Co-branded cards: Bank of Communications currently launches N types of co-branded cards, such as Suning Card, Walmart Card, Jinjiang Inn Card, Aviation Secretary Card, etc. It also launches its own co-branded cards for different regions. Generally, this kind of card can be applied for at direct sales stores or stores like Suning and Wal-Mart. The documents submitted are usually ID card and proof of income or employment.

What should I do if I don’t keep the credit card account cancellation certificate?

It doesn’t matter if I don’t keep the credit card account cancellation certificate. As long as the card is canceled and the process is completed, it will not affect subsequent use.

If the credit card is canceled, the bank will also have it on file. You can go to the bank to cancel the account certificate. You need to bring your ID card to any local bank branch where you apply for the card. This is generally not possible in other places. For details, you can call the issuance service hotline to consult customer service.

If you cannot print out the account cancellation certificate, you can also print a credit report, and you can also check the credit card account cancellation records, because the records before the credit card account was canceled will also exist, but the card status will be displayed. Close account.

Extension:

Credit card account cancellation records will be permanently stored in the credit report. Unless a new record is generated, it will be overwritten within 2 years. On the date of account cancellation, It will be automatically revoked by the system after 5 years. On the contrary, if no new records are generated, it can still be found on the credit report even if it has been 5 years since the account was closed.

Bank credit card account cancellation process:

1. Call the bank credit card service hotline, and the customer service staff will inform the customer of the credit card status;

2. Apply for processing 45 days after the account is closed, if the customer's credit card has no outstanding balance, the bank's customer service staff will close the credit card account;

3. If the credit card still has outstanding balances and needs to be repaid, it can be canceled;

4. If there is still a balance left, you can return it to a bank branch.

Recovery after cancellation of bank credit card:

1. The card can be recovered without closing the account. If the account is not closed, you can restore the card through customer service staff and check the card opening information as required.

2. If the card is canceled and the account is canceled, it cannot be restored. If the cardholder goes through the account cancellation procedures when canceling the card, the credit card recovery process will not be possible.

How to issue a credit card cancellation certificate

There is no need to open a credit card cancellation certificate. You can call your bank customer service to cancel the card. Bank credit card cancellation process: Call the bank's credit card service hotline, and the customer service staff will notify the customer of the credit card status; 45 days after applying for account cancellation, if the customer's credit card has no arrears and no balance, the bank customer service staff will cancel the credit card account; if the credit card is still owed The payment needs to be repaid and can be canceled; if there is still a balance, it can be returned to the bank branch.

1. Recovery after cancellation of bank credit card: If the card is canceled but the account is not cancelled, it can be recovered. If it is not canceled, customer service staff can restore the card and check the information when opening the card as required. If the card is canceled again, it cannot be restored. If the cardholder goes through the cancellation procedures when canceling the card, the credit card recovery cannot be processed. A credit card, also known as a credit card, is a certificate of credit issued by a commercial bank or credit card company to an eligible consumer. This form is a card with the issuer's name, validity period, cardholder's name, etc. printed on the front, and a magnetic strip and signature strip printed on the back. Cardholders can go to specialized commercial service departments to shop or consume, and the bank will settle with merchants and cardholders. Cardholders can overdraft within the specified limit.

2. The relevant legal provisions of credit cards in China (the People’s Republic of China’s credit cards as stipulated in the Criminal Law of the National People’s Congress Standing Committee as interpreted) refer to the credit cards issued by an electronic commercial bank or other financial institutions. All or part of the functions of payment cards include consumption payment, credit loans, transfer settlement, cash deposits and withdrawals, etc. The English translation and writing standards in the public service field have been officially implemented, stipulating that the English name of the credit card standard is credit card. Credit card consumption is a payment method for non-cash transactions. There is no need to pay cash when purchasing, and repayment starts from the date of invoice. Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can make purchases within the credit limit before repayment; a quasi-credit card refers to a cardholder who deposits a certain amount of petty cash in accordance with regulations. When the balance in the petty cash account is insufficient A quasi-credit card that allows you to overdraw within a specified credit limit.

3. Credit card generally only refers to credit card. From January 1, 2021, the credit card overdraft interest rate is determined independently by the issuer and through negotiation with the cardholder, and the upper and lower limits of the credit card overdraft interest rate management should be eliminated (the initial cap is an interest rate of 0.05 per day, and the minimum limit is the daily interest rate 0.7 times 0.05). 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 card is a payment method for non-cash transactions and is a simple credit service.

This ends the introduction on what to do if the credit card account cancellation certificate and the credit card account cancellation certificate are not retained. I wonder if you found the information you need?