ICBC credit card cancellation process

1. Call the ICBC customer service hotline 95588, it will cost you local phone charges, and the whole process takes about 4 minutes.

2. Manual service, enter your own and press #, enter your password and press #.

3. During manual calls, if the balance is small, you can skip it. If the balance is large, you can transfer it to the designated bank card.

4. Confirm once and press 1 twice to log out. Note that online banking is still there, so it is best to remove the bound Alipay.

Users can bring their ICBC credit cards to the offline counter, and then submit the cancellation information to handle the cancellation business. Cardholders can also directly dial the phone number of the card-issuing bank and go to the manual to directly ask the manual to help them handle the cancellation business. After canceling the card, the user must call the bank's customer service 45 days later to confirm the final result of canceling the card.

No matter which method the user uses, they need to first check whether there is any outstanding balance on the credit card. If it is overdue, you need to pay it off immediately. After paying it off, you can bring your ID card and credit card to the bank counter to fill out the card cancellation application form, and handle cancellation and card cutting.

Cancellation is the cancellation of a single credit card under an individual’s name. If you apply for a credit card from the same bank next time, you will be able to enjoy the rights of a new user after cancellation. If the user does not cancel, he will not be able to Enjoy the rights and interests.

It is very simple for a user to cancel a credit card. The user can directly check the bill of the card he wants to cancel and make sure that all the money has been paid off. Then call ICBC customer service and cancel the card directly. After completing the cancellation business, users can unbind the payment and deduction agreements of each payment platform, and cut and destroy the card at the same time.

How to cancel the ICBC credit card (debit card)? What are the precautions?

It is not recommended to cancel the ICBC credit card (debit card) early. You can cancel the card through the following two ways:

1. Bank outlets

Bring your personal information with you With valid ID and credit card (debit card), go to any ICBC branch and fill out the form at the counter to cancel the credit card (debit card);

2. Customer service phone number

Cardholder You can call the ICBC credit card (credit card) customer service hotline at 95588 or 400-669-5588, and you can cancel the credit card (credit card) after verifying your identity.

In addition, before canceling an ICBC credit card (debit card), make sure there are no deposits, arrears, etc. in the card, and remember to cut off the magnetic strip of the card before discarding it. If you do not have any other accounts at ICBC, you can also cancel your card and account at the same time, and you will be able to enjoy the benefits of new accounts in the future. [img]

How to cancel an ICBC credit card

Canceling the card by phone: Call the customer service hotspot on the credit card. After the call is answered, follow the prompts to transfer to manual service, and then indicate your intention to cancel the card. Follow the bank staff’s prompts to perform operations and check the information. After confirming that it is correct, just wait for the card to be canceled.

Cancellation at an outlet: Cardholders bring their ID cards and the credit card to be canceled to an ICBC branch (any branch is acceptable) and apply for cancellation of the industrial and commercial credit card.

Before canceling the card, please note: pay off all outstanding balances in a timely manner. This arrears include not only account arrears, but also annual fees, etc. If you pay attention to the former and ignore the latter, the cardholder may still have outstanding balances on the card after the card is cancelled. So be sure to ask clearly when canceling your card, and you must not leave a penny of debt behind.

Cut the magnetic strip when canceling the card. If the card is complete, it may still be usable in some consumption places that only require information without checking the information. The best way is to cut the magnetic strip into several pieces and throw them into different garbage dumps to prevent people with ulterior motives from stealing them.

Cancellation of the main card must be applied for by the main cardholder himself. The application for cancellation of the supplementary card can be made by the main cardholder or by the supplementary cardholder himself. Supplementary card applicants cannot cancel the primary card.

How to cancel the ICBC credit card

Two methods, one is to call the ICBC customer service hotline 95588 and follow the voice prompts to the manual service for you; the other is to go to ICBC Cancel credit cards at designated business outlets.

Warm reminder:

Cancellation can only be processed if there is no outstanding payment.

After applying for account cancellation, it usually takes 45 days for it to officially take effect. After the account is canceled, the points will be reset to zero

If you do not meet the conditions for annual fee reduction or exemption, the account will be canceled according to the account you used. An annual fee is charged for each month. It is recommended that you continue to use the card to meet the annual fee reduction standard before canceling the card.

No overdue records. If the card has been overdue, the credit card's repayment record for the last 24 months will generally be shown on the personal credit report. Even if the cardholder cancels the card, the overdue repayment record will remain in the personal credit report for 5 years. If you want to cancel the overdue record related to your credit card, you must continue to use it for at least 24 months, and during this period, you must make regular repayments after consumption. Only in this way will the bank's personal credit report leave the latest period of on-time repayment. A good impression of the money. If you cancel the card immediately, your credit record will always remain overdue, which will affect future loan applications.

Extended information:

Some matters after account cancellation:

1. After applying for cancellation of credit card, please cut off the magnetic stripe and chip of the credit card and dispose of them properly. After logging out, you can still log in to online banking, mobile banking and other channels to view accounting information, and the original card can still receive repayments or refunds.

2. If you want to resume the use of your credit card later, you can contact the customer service hotline to apply.

Reference material: Industrial and Commercial Bank of China

How to cancel an ICBC credit card

ICBC can cancel the card through ICBC telephone banking or at the counter. ICBC card cancellation method: 1. ICBC Telephone Banking cancellation: The credit card can be canceled only if there is no outstanding balance. To cancel, call the customer service hotline of the corresponding bank, enter the information according to the prompts, and cancel the account. 2. Cancellation at the ICBC counter.

1. Industrial and Commercial Bank of China: Industrial and Commercial Bank of China (INDUSTRIALANDCOMMERCIALBANKOFCHINA, ICBC for short) was established on January 1, 1984. The head office is located at No. 55 Fuxingmennei Street, Beijing. It is a large state-owned bank managed by the central government and a national deputy ministerial level unit. The basic mission of ICBC is to raise social funds through domestic and foreign financing activities in accordance with national laws and regulations, strengthen credit fund management, support enterprise production and technological transformation, and serve my country's economic construction.

2. Credit card: 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. Credit cards stipulated in my country's relevant laws ("Interpretations 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 that have all the functions of consumer payment, credit loans, transfer settlement, cash deposits and withdrawals, etc. Or an electronic payment card with partial 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.

3. Credit card classification: Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards where the cardholder has a certain credit limit and can consume within the credit limit and then repay. ; 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 card can be overdrawn within the specified credit limit. The so-called credit card generally refers to a credit card only.

4. Credit card consumption: 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).

ICBC Credit Card Account Cancellation

If you really need to cancel your credit card, you can call the customer service hotline 95588 to handle it through manual service (unless there are special provisions), and the following conditions must be met: The account status must be normal, with no authorized accumulation, installment accumulation, frozen amount and deposit interest. The account must have no outstanding balance and a balance of zero (if there is a deposit, it is recommended that you transfer it out in advance or agree to give up the balance within the limit).

You can also go to ICBC designated acceptance outlets with your card and original valid ID. Please refer to the staff's instructions at the time of processing.

Warm reminder:

1. If the account status is abnormal, or the card status is "frozen card", if you need to apply for account cancellation, please bring your valid ID and card to the original bank. Cancel the account at the counter of the card institution; if the original card issuer is not open to the public, you need to go to the branch designated by the original card issuer to replace the card issuer;

2. If you are canceling the only one in your name Or the last card, if there is a points balance, please redeem it in time before canceling;

3. For cards with annual fee reduction standards, if you are prompted to charge an annual fee in transit when canceling, it is recommended to use the card Cancel the card after reaching the annual fee reduction criteria.

4. If the credit card is issued in the form of 1 1 (UnionPay international single-identity card), you can cancel the card that is not the main card of the account (usually UnionPay card) or cancel the two cards at the same time. Card cancellation and account cancellation cannot only handle the cancellation of international single-identity cards (cards).

(Answer time: April 21, 2022. In case of business changes, please refer to the actual situation.)

Introduction to ICBC credit card cancellation and ICBC credit card cancellation process. That’s it. Did you find the information you need?