1. Go through bank card cancellation procedures over the counter at bank branches: All major banks have credit card cancellation windows, so bring your relevant personal documents, such as ID card and credit card. If you have a credit card debt, bring cash and pay off the debt;

2. Cancel the credit card through official online banking: All major banks in China have online banking, and you can submit and fill in your ID card and credit card data. To apply for account cancellation, submit the application and wait for the bank to call you to confirm;

3. Cancel the credit card through the official credit card customer service phone: Dial the official credit card service hotline, transfer to manual service, and ask the manual customer service to apply for cancellation of the credit card. Before making a call, be careful not to have any outstanding debt or balance on your credit card, otherwise you will not be able to cancel the account;

4. Cancel credit card through the bank’s official official account or the credit card’s official official account: all major banks in China have There is an official official account. As long as you bind the card and find the credit card cancellation, you can cancel the credit card on the official account;

5. Cancel the credit card through the bank's official APP: major banks include credit card services The center may have a personal official website APP, and you can cancel your credit card directly on it.

The above is the relevant content on how to cancel a credit card. Problems caused by credit cards

1. Capable users who are not used to using credit cards will basically not exceed the credit card consumption limit;

2. No Users with good abilities prefer to use credit cards, but if they have poor ability to repay debts, the probability of breach of contract is relatively high;

3. With a credit card, many users spend more than without a credit card;

4. Using a credit card has high handling fees and may have a negative impact on your credit report. Conditions for applying for a credit card

1. Age requirements: Applicants for the main credit card must be 18 years old, and there is a maximum age limit. Different banks have different maximum age limits; If you are applying for a supplementary card, the minimum age must be 13 years old;

2. Have a fixed job: Applicants need to have a stable job and sustainable income, and have a certain ability to repay loans. For example, they can provide cover. Proof of income with official company seal, proof of social security payment, etc. In addition, you can also provide some other asset certification materials, such as bank savings, stocks, real estate, cars, etc. This kind of asset certification material is helpful to increase the credit card approval limit;

3. Stable personal credit: credit card It is a tool issued by the bank to advance consumption based on the applicant's personal qualifications and credit. Therefore, there are certain requirements for the applicant's personal credit. Only applicants with good personal credit status have the opportunity to apply for a credit card.

This article mainly writes about knowledge points about how to cancel a credit card. The content is for reference only.