If your mobile phone number has changed, you can directly tell the customer service to change the mobile phone number reserved for the bank card. The customer service will then ask for ID verification and you do not have to cancel the bank card.

Methods for canceling credit cards:

1. When postpaid customers cancel their accounts, they should provide valid identity documents (if they entrust others to handle the process, the agent should submit the valid identities of the principal and himself at the same time) Original certificate; for corporate customers, they must present the valid certificate of the company and the valid certificate of the individual).

2. Account cancellation for users from other places is not allowed. If you are unable to handle it yourself, you can entrust someone else to handle it on your behalf, but you need to bring the original ID cards of the entruster and the entrusted person. If the account is not cancelled, resulting in the number being in arrears and then shutting down, the number holder will be blacklisted by the local business office.

3. In principle, users within the agreement period are not allowed to cancel their accounts.

4. Users must settle the overdue arrears, current arrears, and this month’s real-time phone bills for all user numbers under the same customer before they can handle the account cancellation business.

Extended information:

Note:

Before canceling a credit card, the account balance must be cleared, and the card cancellation must be completed within 45 days after the application is submitted. All processes.

Compared with debit cards, the cancellation process of credit cards is more complicated due to factors such as overdraft consumption, subsequent payment requests from merchants, and repayment periods. Cardholders need to go through "pre-account cancellation", " There are two stages: "official account cancellation". In addition, usually within six months after the account is officially closed, the cardholder can also apply to restore the canceled credit card according to his or her own needs, that is, "reinstate the card."

There are two stages of credit card cancellation: "preliminary account cancellation" and "formal account cancellation".

When the cardholder applies for cancellation, if the account shows that there is no outstanding balance, the bank can cancel the account for him. However, this is a pre-cancellation. The purpose is to prevent some bills for overdraft consumption from arriving late. That is, a merchant request appears after the account is closed.

Therefore, although the credit card with a pre-canceled account can no longer be used for consumption and payment, its account is still "active". The cardholder can still log in to online banking to view the account information. If the account appears after the pre-canceled account If the merchant requests payment, the bank will remind the cardholder to transfer money to this account for repayment. In other words, if you want to default on the credit card by canceling the credit card, this will not work.

Normally, banks will set aside 45 days as a liquidation period. After all possible merchant requests have occurred, and after confirming that the cardholder has paid back all outstanding debts, the bank will handle the matter for the cardholder. Official account cancellation.

Baidu Encyclopedia - Account Cancellation

Baidu Encyclopedia - Credit Card

Xinhuanet - Are there many ways to cancel a credit card? You need to know these