How to cancel a credit card online

Whether it is a credit card from various banks applied for online or at the counter of a branch, it is impossible to cancel it online, because each bank’s credit card cannot be canceled online. Cancellation of a bank credit card must be verified by the staff's identity, and the cancellation can only be done after confirming that it is the person who is correct. Online cancellation is not possible. At present, banks only provide two ways to cancel credit cards of various banks, one is to cancel by phone, and the other is to cancel at an outlet. The two cancellation methods require different information.

To cancel by phone, you usually need to call the bank service hotline with the phone number reserved when applying for the card. After being transferred to the manual customer service, you must report your name and ID number. After the customer service verifies your identity, the customer service Only then will we handle credit card cancellation services for each bank for cardholders.

For branch cancellation, the cardholder needs to bring his or her valid ID card and the mobile phone number reserved for each bank's credit card to go to any local bank branch where the card is applied for, hand the information to the staff for verification of the ID card, and then fill in the An application form for credit card cancellation from each bank is required, and subsequent cancellation will be done by the staff. This cannot be done in another place.

At the same time, the cancellation of credit cards of each bank has nothing to do with the card status. Regardless of whether the credit card of each bank is activated, or frozen or blocked by the bank, as long as the credit card of each bank has no outstanding balance or balance, you can apply for cancellation. . Each bank's credit card cancellation does not mean that you can cancel it successfully on the same day if you apply for it on the same day. There is a 45-day pre-cancellation period. During this period, if there is no debt or balance, the card will be officially canceled on the 46th day.

1. Credit card (English: CreditCard), also called credit card. It is a non-cash transaction payment method and a simple credit service. Credit cards are generally 85.60 mm long, 53.98 mm wide, and 1 mm thick, special carrier plastic cards with consumer credit. It is issued by the bank to individuals and organizations, and can be used to shop, consume, and deposit and withdraw cash from the bank. It is in the form of a card with the name of the issuing bank, validity period, number, cardholder name, etc. printed on the front and a magnetic card on the back. strip, signature strip. Credit cards are issued to cardholders by banks or credit card companies based on the user's creditworthiness and financial resources. Cardholders do not need to pay cash when using the credit card, and repayment will be made on the billing date (English: BillingDate). Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards issued by banks and give cardholders a certain credit limit, and the cardholders can consume within the credit limit and then repay; quasi-credit cards It refers to a quasi-credit card issued by a bank, and the cardholder is required to deposit a certain amount of reserve fund. When the reserve account balance is insufficient to pay, the card can be overdrawn within the specified credit limit. The so-called credit card generally refers to a credit card only.

2. Credit card cancellation is divided into card cancellation and account cancellation. Card cancellation means canceling a credit card in the cardholder's name, while account cancellation means canceling the cardholder's entire bank account. Canceling a single card does not necessarily mean canceling the account. If a person holds multiple credit cards from the same bank, the other cards can still be retained. However, once the entire account is canceled, it means that all cards under the cardholder's name will be cancelled. If the entire account is canceled, the cardholder's points will be cleared. Points can only be retained if a single card is canceled. After the credit card is canceled, the points in the card can be transferred to other credit cards of the same bank, provided that the card type and point type of the two cards are consistent. If they are inconsistent, they cannot be accumulated. For example, points from a standard card cannot be transferred to a co-branded credit card that “automatically converts points into miles.”

How to cancel a credit card online

To cancel a credit card applied for online, directly call the customer service hotline of the card-issuing bank and apply for cancellation to the customer service staff through the manual service channel; or bring You can also apply for cancellation by going to the counter of a business outlet near the card-issuing bank with your ID card and credit card.

Credit cards, also called credit cards, are issued by commercial banks or credit card companies to consumers with qualified credit. Credit certificate. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back.

Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

According to different card issuers, they can be divided into bank cards and non-bank cards

Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

Non-bank card.

This type of card can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., used for purchasing tickets, meals, accommodation, entertainment, etc.

According to the different objects of issuance, it can be divided into corporate cards and personal cards

Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, national party and government agencies, military units, groups and other legal entities.

Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income. A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.

According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards

Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.

Gold Card.

Gold card is a high-end credit card that pays high membership fees and enjoys special benefits. Cards are issued to those with higher credit standing, stronger repayment ability and credit, or those with a certain social status. The authorization limit of the gold card starts from a higher level, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.

How to cancel a credit card online

Until now, most online banks cannot cancel the card online, and many banks can only cancel the card over the phone, and need to confirm again and again. . Cancellation can be done through telephone banking. Basically, general credit cards can be canceled through telephone banking. Of course, some banks may be a little troublesome and use various reasons to persuade cardholders not to cancel the credit card, while other banks will help cancel the credit card after the cardholder explains the situation.

There are a few points to note when canceling a credit card:

1. Pay off all outstanding debts in a timely manner. This arrears includes bill arrears and annual fees. If there are still outstanding balances in the card, just cancel the card without hesitation. After the interest is compounded, when the amount reaches a certain amount, the bank will start "debt collection"!

2. Confirm whether to cancel the account after 45 days. Credit card cancellation is usually handled through customer service, but it is not possible to cancel the card successfully at that time. When you propose to cancel the card, the account will enter the pre-cancellation state. Whether the account has been successfully canceled will not be known until 45 working days.

3. Cut the magnetic strip when deleting the card. If the card is complete, it may still be usable in some consumption places that only require information without verifying it. The best way is to cut the magnetic strip into several pieces and throw them into different garbage dumps to avoid future troubles!

The specific process of canceling a card over the phone is as follows:

1. Call the bank’s credit card center and ask about cancellation related matters. It mainly depends on whether your card is suitable for cancellation, whether there is a balance, etc.

2. Use the phone to cancel the credit card. After the bank receives the call, it will accept the user's application for canceling the credit card and deduct the annual fees receivable for all cards under the account. The account balance is zero or the customer has made it clear Indicates giving up the remaining balance in the account.

3. Go to the bank counter to formally cancel the credit card. The cardholder must bring his or her ID card and the credit card to be canceled to the bank to fill out a card cancellation application form. The card may be collected first and the corresponding card cancellation procedures will be done one month later. However, you can also directly make an appointment to cancel the account on the day of card cancellation.

Credit card cancellation is divided into card cancellation and account cancellation. After canceling the card, it is recommended to cancel the account, otherwise there may be some problems in applying for a credit card again; if there are still points in the credit card to be canceled that have not been used up, it is recommended to redeem them all first. Then cancel the card; after submitting the credit card cancellation application and before it is officially effective, the cardholder should not use the credit card again, otherwise the card cancellation application will be automatically revoked; after formal cancellation, cut along the credit card's magnetic strip and discard it to prevent theft.

Can credit cards be canceled online?

Credit cards cannot be canceled online. Although you can apply for a credit card through online channels, you cannot cancel it through online channels. When canceling a credit card, manual customer service is required to verify the user's identity, while online cancellation cannot verify the identity. Therefore, to cancel a credit card, you need to go to the counter to cancel it, or you need to call the credit card customer service hotline and complete the identity authentication to cancel it through customer service.

A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

How to cancel a credit card?

1. Take out your credit card and call the hotline behind it.

2. After dialing the hotline, you will hear a voice prompt and the user needs to choose manual help.

3. After dialing the manual help, the user needs to wait patiently for a period of time. Sometimes the manual is busy and you can dial the manual for help again.

4. When the manual service call is connected, the user needs to tell the customer service staff that he or she wants to cancel the credit card.

5. The customer service staff will ask the user why he canceled the credit card and suggest the user to continue using it. If the user insists on canceling the credit card, the customer service staff will tell the user the specific steps to cancel the credit card.

6. Just follow the logout steps introduced by the customer service staff.

Is it okay to cancel if the credit card limit is too low?

When the credit card limit is too low and the user chooses to cancel, the user first needs to pay attention to the actual situation of his or her credit card. If the user is applying for the first time It is recommended that users do not cancel credit cards, because only by having a credit card can they better maintain their personal credit. Improving your personal credit through daily use of credit cards will be helpful for applying for credit cards or other bank cards in the future.

If the user holds enough credit cards for daily use, he or she can cancel the credit card at the bank where the credit card is located. After all, there are too many cards now, the higher the credit limit you get, and it becomes more and more difficult to apply for a credit card.

If it is your first card, it is recommended that you do not cancel it hastily, as canceling it will affect your personal credit. In fact, having good personal credit now will help you apply for credit cards or other loans in the future.

The credit card installment fee is determined by the installment amount, the number of installments and the installment rate. The calculation formula is: Installment fee = total installment amount, number of installments, and rate per installment.

How to cancel a credit card?

The main ways to cancel credit cards are:

1. Cancellation at the card-issuing bank outlet:

Cardholders can bring their personal ID cards and credit cards to the card-issuing bank offline. Go to the counter of the business hall outlet to apply for cancellation of your credit card and go through the cancellation procedures with the help of the staff.

2. Customer service phone cancellation:

Card holders can directly call the customer service hotline of the credit card center of the issuing bank. After answering the call, follow the phone voice prompts to transfer to manual service and report to work The employee applies to cancel the credit card and waits for the staff to verify the personal identity before canceling the credit card.

3. Go through bank card cancellation procedures over the counter at bank branches: All major banks have credit card cancellation windows, so bring your relevant personal documents, such as ID card and credit card.

If you owe money on a credit card, bring cash and pay off the debt;

4. Cancel the credit card through official online banking: All major banks in China have online banks where you can submit and fill in your ID card and credit card data. To apply for account cancellation, submit the application and wait for the bank to call you to confirm;

5. Cancel the credit card through the official credit card customer service phone: Dial the official credit card service hotline, transfer to manual service, and ask the manual customer service to apply for cancellation of the credit card. Before making a call, be careful not to have any debt or balance on your credit card, otherwise you will not be able to cancel the account;

6. Cancel credit card through the bank’s official official account or the credit card’s official official account: all major banks in China have There is an official official account. As long as you bind the card and find the credit card cancellation, you can cancel the credit card on the official account;

7. Cancel the credit card through the bank's official APP: major banks include credit card services The center may have a personal official website APP, and you can cancel your credit card directly on it.

This concludes the introduction on how to cancel a credit card online and how to cancel a credit card online. Have you found the information you need?