How to cancel a credit card account

1. Cancellation of telephone banking.

basically, ordinary credit cards can be cancelled by telephone banking. Of course, some banks may have a little trouble, while others are different, such as CITIC Bank and China Merchants Bank, which are very convenient. Note that you can cancel your credit card by phone only if it can be cancelled.

2. cancellation of the bank counter.

going to the bank counter to cancel is also an adopted method. However, we should pay attention to the following points:

First, bring the necessary documents, such as ID card and credit card, and prepare the money if the credit card owes money!

second: remember to avoid the rush hour at the bank, so as not to wait in line for too long and delay your normal work and life.

third: explain the situation to the staff truthfully. If you really want to cancel your card, don't change your mind easily.

first, before applying for account cancellation and account cancellation, you should ensure that the points in your credit card have been redeemed to avoid wasting points. Because credit card points are consumer rewards for users by the issuing bank, you can exchange the corresponding items at the issuing bank. All the points in the card will be cleared after account cancellation and card cancellation, so the points must be redeemed before account cancellation and card cancellation to avoid unnecessary losses.

second, credit card cancellation must not use credit cards during the period of account settlement. Because there will be a 45-day "settlement period" before the credit card account is officially effective, if you try to use the credit card again during this period, it will lead to the failure of account cancellation. So if you are not sure whether the account cancellation is successful, you can contact the issuing bank to ask. Of course, if the user goes back on his word before the account cancellation officially takes effect, he can also contact the issuing bank to re-enable the function if he wants to withdraw the application for account cancellation.

thirdly, it is necessary to be cautious to cancel the account and card after the credit card expires. If the credit card is overdue, you can apply for account cancellation or card cancellation immediately after handling the arrears, but you can still leave your own overdue record in the credit report of the issuing bank. And the overdue record of this credit card will remain in your personal credit report for 5 years. So what are we going to do? The correct way is to continue to use this credit card after full repayment, and gradually cover the overdue bad records with good records. In two years, this overdue record will no longer affect your personal credit information.

fourthly, if the credit card only sells the card, but does not close the account, it will not be able to enjoy the treatment of new users. Many banks stipulate that credit cards can enjoy the treatment of new users again when they apply for a new credit card after 6 to 12 months of successful account cancellation. However, if you only cancel your card without canceling your account, you are an old customer at the issuing bank, so you will not be treated as a new user when you apply for a new credit card again.

So it seems simple to cancel the card and account of a credit card, but in fact there are many precautions. Therefore, we must make good preparations before canceling the account and the card to reduce unnecessary troubles!