How to cancel a China Construction Bank credit card

How to cancel a China Construction Bank credit card: branch cancellation or telephone cancellation.

1. Cancellation at an outlet: Before canceling a CCB credit card, the cardholder needs to explain the reason for canceling the card to the customer service staff and fill out a cancellation application form. After the customer service staff determines the identity of the cardholder, they can handle the card cancellation procedure. However, if the credit card is in arrears (such as annual fees, handling fees, installment payments, etc.), it cannot be canceled.

2. Telephone cancellation: call China Construction Bank’s 24-hour service hotline 400-820-0588; or for non-400 service areas, please dial 021-38690588; or dial 8008200588 (redirect to manual) or 95533 (redirect to credit card customer service ) apply for credit card cancellation, and then enter the relevant personal identity information for verification. After verification, the customer service will cancel the registration. If there is no repayment 45 days after the registration is completed, the official cancellation of the account will be completed.

1. Definition:

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 is in the form of a card with the issuing bank name, 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. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

2. Classification:

Credit cards are divided into credit cards and quasi-credit cards. A credit card means that the cardholder has a certain credit limit and can use it within the credit limit. A credit card that is repaid after consumption; a quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, the quasi-credit card can be overdrawn within the specified credit limit. The so-called credit card generally refers to a credit card only.

3. Other information:

Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rate will be cancelled. The original upper limit is 5/10,000 of the daily interest rate and the lower limit is 0.7 times the daily interest rate of 5/10,000). 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 cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , deposit and withdraw cash, etc., an electronic payment card with all or part of the functions? On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.

How to cancel a CCB credit card

How to cancel a CCB credit card:

To handle the credit card account cancellation procedure, the cardholder needs to call CCB after settling the card account. The bank customer service hotline is 95533 (for overseas please call 86-28-95533) to handle account cancellation registration.

After the registration is completed, the user needs to cut the magnetic stripe of the card by himself (virtual cards such as E-pay cards do not need to be cut because they do not have physical cards). If there is no new account payable within 45 days, it will be officially cancelled. household.

Extended information

After the China Construction Bank credit card account is officially closed, the card will not be activated again. Users who still need to use the China Construction Bank credit card need to apply again.

If the credit card is an IC chip card and there is a balance in the electronic cash account, electronic cash consumption can be made at the acceptance terminal with the UnionPay QuickPass logo within the validity period of the card. You can use the electronic cash account balance first before contacting us. China Construction Bank handles credit card account cancellation.

Family joint account cancellation process:

For the joint family account cancellation business, the joint account holders must hold their valid identity documents and family cards to apply for cancellation at any outlet in the same city where the account is opened. Business, the bank will take back the issued family cards, and only after all joint card cancellations have been completed, the account leader can cancel the family account.