How to deactivate a credit card

You can do it over the phone or go to the business hall to deactivate it.

Canceling a bank credit card by phone:

(1) Users who meet the conditions for cancellation by phone can apply to the bank to cancel their credit by calling the phone.

(2) After receiving the call, the bank will accept the user's application for canceling the credit card, and after deducting the annual fees payable for all cards under the account, the account balance will be zero or the customer has explicitly given up the remaining deposits in the account. .

1. Things to note when canceling a credit card over the phone:

(1) The main card holder must apply for cancellation of the card, while the supplementary card can be canceled by the main card holder. An application for card cancellation can also be made by the supplementary cardholder.

(2) If there is a secondary card attached to the account, after the user cancels the credit card, the secondary card will also be cancelled.

(3) When applying for a credit card, users who have paid a deposit should first go to the card issuer's outlet to release the pledge, and then cancel the credit card.

(4) If the user makes a deposit transaction within 30 days from account cancellation to official account cancellation settlement, the user needs to bring the ID card used when applying for the card to the card-issuing business outlet to complete the account cancellation settlement procedures.

(5) After the credit card is successfully canceled, the user needs to destroy the unused credit card by himself. The destruction methods include: cutting corners, drilling holes and other methods that can damage the magnetic stripe.

2. Credit card:

Credit card is also called a credit card. It is a non-cash transaction payment method and a simple credit service. It is issued by the bank to individuals and organizations, and can be used to shop, consume, and deposit and withdraw cash from the bank. It is in the form of a card with the name of the issuing bank, validity period, number, cardholder name, etc. printed on the front and a magnetic card on the back. strip, signature strip. Credit cards are issued to cardholders by banks or credit card companies based on the user's creditworthiness and financial resources. Cardholders do not need to pay cash when using the credit card, and repayment will be made on the bill date.

On April 15, 2016, the central bank issued the "Notice of the People's Bank of China on Matters Related to Credit Card Business", canceling late payment fees on credit cards, introducing liquidated damages, and prohibiting over-limit fees. The new regulations were implemented in January 2017 It will be officially implemented on the 1st.

Credit card is a non-cash payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. They are issued to cardholders by banks or credit card companies based on the user's creditworthiness and financial resources.

Cardholders do not need to pay cash when making purchases with their credit cards, and will repay the payment on the settlement date. Except for some credit cards combined with debit cards, general credit cards are different from debit cards and ATM cards in that credit cards will not directly deduct funds from the user's account.

How to stop a credit card?

To apply for deactivation of a credit card, you can apply over the phone or go to the business hall to apply for deactivation.

Canceling a bank credit card by phone:

(1) The principal card holder must apply for cancellation of the main credit card, while the supplementary card can be canceled by the principal cardholder. The application can also be made by the supplementary cardholder.

(2) If there is a secondary card attached to the account, after the user cancels the credit card, the secondary card will also be cancelled.

(3) When applying for a credit card, users who have paid a deposit should first go to the card issuer's outlet to release the pledge, and then cancel the credit card.

(4) If the user makes a deposit transaction within 30 days from account cancellation to official account cancellation settlement, the user needs to bring the ID card used when applying for the card to the card-issuing business outlet to complete the account cancellation settlement procedures.

(5) After the credit card is successfully canceled, the user needs to destroy the unused credit card by himself. The destruction methods include: cutting corners, drilling holes and other methods that can damage the magnetic stripe.

How to deactivate the card at a bank branch: You need to bring your ID card and credit card to a nearby bank branch to cancel the credit card.

How to suspend the use of a credit card

1. Suspended situation 1: The bank suspects that the credit card has abnormal consumption transactions and may be attacked by hackers or other criminals. For the sake of the cardholder's safety, Safe, the bank has frozen the credit card.

2. Suspended situation 2: The credit card has been overdue for more than three months, and the issuing bank has the right to unilaterally suspend the credit card.

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder 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 appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

According to different card issuers, they can be divided into bank cards and non-bank cards

Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

Non-bank card.

This type of card can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., and are used for purchasing tickets, meals, accommodation, entertainment, etc.

According to the different objects of issuance, it can be divided into corporate cards and personal cards

Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, national party and government agencies, military units, groups and other legal organizations.

Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income. A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.

According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards

Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.

Gold Card.

The gold card is a high-end credit card that pays high membership fees and enjoys special benefits. Cards are issued to those with higher credit standing, stronger repayment ability and credit, or those with a certain social status. The authorization limit of the gold card starts from a higher level, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.

How to deactivate a credit card?

1. If you no longer want to use your credit card, you can call the customer service number of the bank where the credit card is located;

2. Transfer manually Then follow the prompts to verify the identity, make a request to the customer service staff to cancel the account, and ask the customer service staff to help cancel the card;

3. At the same time, the cardholder can also bring the ID card and card to the business outlet of the bank where the credit card is located Apply for account cancellation.

That’s it for the introduction of how to suspend the use of credit cards.