There are two ways to cancel a credit card:
1. Cancel the card at the outlet. Bring your credit card and ID card to the bank outlet for card cancellation.
2. Call the bank customer service to cancel the card, and remember to cut the card after the card is cancelled.
Credit cards can be cancelled under the following circumstances:
1. The applicant has not received the credit card. The applicant has just applied online, and the bank has not been in a hurry to issue cards or apply through agency channels. The salesperson did not submit the information. At this point, the cardholder can call the customer service center of the card issuer and apply for canceling the credit card. In this case, credit card cancellation is not very important to personal influence.
2. The applicant received an invalid credit card. For a new credit card, if it has not been activated, there is no need to cancel it. The general activation period is one year from the date of issuance. If it is not activated for more than a specified time, the credit card will automatically expire.
3. You are using a credit card. You must be prepared before you cancel your credit card. First, you need to pay off all the debts of your credit card. No matter how much money you save, you have to spend it. Make sure you don't have any extra money in your credit card account, then call customer service according to the voice prompt and apply for canceling the credit card reservation manually. After the next bill date, if your account is flat, that is, not much, not much, then your credit card can be cancelled. Or you can cancel at the counter and bring the necessary documents, ID cards, credit cards and cash. Explain the situation truthfully to the staff.
Main functions of credit card:
1. Credit card is one of the fastest growing financial businesses. It is an electronic currency, which can replace the traditional cash flow to some extent;
2. Credit card has both payment and credit functions. Cardholders can buy goods or enjoy services, or use credit cards to obtain certain loans from card issuers;
Credit card is a high-tech product combining financial business with computer technology.
4. Credit cards can reduce the use of cash and money;
5. Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;
6. Credit cards can simplify the collection procedures and save social labor;
7. Credit cards can promote commodity sales and social needs.
How to refuse friends to sell credit cards? These reasons can be tried.
Many credit card salesmen who work in banks often sell credit cards to their friends and ask them to apply for credit cards to help them achieve their business goals. And many people don't have the need to get a card. They want to refuse, but they are afraid of hurting their feelings. So is there any way to kill two birds with one stone? Let's discuss it together.
How to refuse friends to sell credit cards?
A netizen said that he had met a friend who sold him his credit card. He wanted to refuse directly, but he was afraid of affecting his relationship with his friends. He told him that he had applied for a credit card from this bank, but unfortunately, he was rejected. I heard that it will take more than half a year to reapply, so I can't do it now. Even if he did, he would be rejected, and then that friend never mentioned it again.
Another netizen said that when a friend promoted a credit card to himself, he said that he already had a credit card from this bank, and it was useless to apply for another one, because both cards would be shared and repayment would be very troublesome. In addition, new users do not need to apply for a card, and there is no card opening ceremony.
Of course, there are many reasons for refusing besides the ways mentioned by these two netizens. In fact, there is no need for everyone to worry that rejection will hurt their feelings. After all, it is best to apply for a credit card according to your own needs, not for any human feelings, otherwise it will not be used, and it will eventually have an impact on yourself.
There used to be many people who were embarrassed to refuse their friends, and as a result, no one cared after the card was activated. As a result, they found that the record in the credit report was not activated, so they cancelled it, but the record of card cancellation remained in the credit report, which would still have some impact on credit reporting.
What should I do if my company does not want to apply for a credit card?
You can refuse to apply for a credit card. Forcing employees to apply for a credit card without their consent is a violation of citizens' property ownership, and all employees have the right to refuse to apply for a credit card.
Legal basis:
Article 240th of the Civil Code of People's Republic of China (PRC) stipulates that the owner has the right to possess, use, profit from and dispose of his real estate or chattel according to law.
Article 13 of the Constitution of People's Republic of China (PRC) citizens' lawful private property is inviolable. The state protects citizens' private property rights and inheritance rights according to law. In order to meet the needs of public interests, the state may, in accordance with the law, expropriate or requisition citizens' private property and compensate them.
My relatives asked me to use my ID card to get him a credit card. How can I refuse him?
Reject him directly and tell him that it is impossible to guarantee him with your personal privacy information and credit information, so relatives should use his own ID card to apply for a credit card.
How can a friend refuse to apply for a credit card with my ID card?
You are a Pisces, and you are always embarrassed to refuse others, just like me!
This is simple:
1. Are you and his identity the only iron? Why didn't he find someone else except you? Did something good happen to you? Why are you the only one looking for trouble? Why not find someone else? !
This one actually strengthened your confidence and determination! Think for yourself and watch it several times!
2. How can I borrow identity information? Why can't he handle his identity? Don't use your identity to deal with it! I have accidentally overdue before, and I can't get a credit card!
This one allows you to make excuses in front of him, and you know that if he doesn't pay, the bank will only look for you, not him! He can't do such a thing himself He must find someone else. Other "friends" are unwilling to help. There must be something wrong with it. Even if he has an excuse, he should let his parents do it for him, not you!
There is one last step, but it is better not to go, because it is "troublesome" to operate and it is not sure whether it is really effective. Really, if you help him with a credit card because you are too soft-hearted, then you can call the credit card center afterwards and tell them that you don't want to do it!
Of course, more importantly, let you really "overdue" once this month. Although there will be some extra interest, which will affect your application for credit cards and loans within two to five years, credit cards generally will not pass the examination. Coupled with the previous phone call with the credit card center, there is a greater chance that the credit card will not be completed. Of course, the "overdue" method takes a certain amount of time for banks that review credit cards to find "overdue" information. They usually need to see it next month to see if you have enough time.
I have no money. My friend asked me to apply for a credit card for him. How can I refuse to pay the mortgage in my name? My friend asked me to apply for a credit card for him. How can I refuse?
Hello friend, just refuse this. Credit cards can only be handled by themselves. Don't use your own information to handle for others, let alone for others. It's dangerous. So just turn him down.
Good luck.
How to refuse the introduction of credit card? Let's stop here.