You can apply for card cancellation by calling the 24-hour customer service hotline of the bank credit card. When you cancel the card, you can't owe money on the account, and in order to ensure the safety of the account, you must have the card with you when you cancel the card by phone.

2. Cancel your credit card at the bank counter

If your bank credit card is not used and lost, you can only cancel it at the bank outlet. If there are new accounts payable within 45 days (inclusive) after the card is cancelled, it will still be borne by you. After 45 days of card cancellation, if the account has no arrears or overflows, the system will automatically cancel the account without going through any formalities.

credit card consumption is a non-cash transaction payment method, and it is not necessary to pay cash when spending, and the repayment will be made on the Billing Date.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards with a certain credit limit within which the cardholder can spend first and then repay.

quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.

Application

In most cases, citizens with full capacity for civil conduct (citizens over 18 years old in Chinese mainland) and a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

people who apply for credit cards can be divided into units and individuals. The applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal personality within the territory of China.

each unit can get a main card and several (5-1) supplementary cards when applying for a credit card. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

generally, the application method is to fill in a credit card application form, and the contents of the application form generally include the name, basic information, economic status or income source, guarantor and its basic information of the applicant. And submit certain copies of certificates and certificates to the issuing bank.

after the customer truthfully fills in the application form, he/she should submit the completed application form as well as the relevant credit certificate. The application form is accompanied by a contract for using a credit card. The applicant authorizes the issuing bank or relevant departments to investigate its relevant information, submit a statement on the authenticity of the information, the privacy protection policy of the issuing bank, etc., and must have the applicant's autograph.

card cancellation

before the credit card is cancelled, the account balance must be cleared, and the card cancellation process should be completed within 45 days after the application is made.