Can I cancel my credit card account?

Credit card cancellation and account cancellation are two different concepts. If you want to completely cancel the credit card account, the cardholder needs to make a clear request to the bank for account cancellation. Otherwise, the bank will generally only cancel the credit card and retain the cardholder’s information. Account information.

Be careful to pay attention to the following points when completely canceling a credit card account:

1. Pay off the debt in time before canceling the account: all debts must be paid off before the account is closed, and do not wait until the debt is due. Go through the account cancellation procedures when the account is settled, otherwise the account cancellation is likely to fail;

2. Before canceling the account, you must cancel all credit cards: If you have other credit cards in use at the same bank, generally It is not possible to cancel the account;

3. After the account cancellation effective time expires, go to the bank to confirm whether the account cancellation is successful: In order to ensure that the user’s account does not owe any money when canceling the account, the account cancellation application is generally within 45 It will officially take effect after 45 days. Cardholders should contact the bank 45 days after submitting the account cancellation application to confirm whether the account has been completely cancelled.

How to cancel a credit card

Credit card cancellation process:

1. Verify credit card accounts

Before canceling a credit card, the cardholder needs to Confirm whether you have paid off all the credit card debts. If you have not paid off the debts, you should pay off the debts before applying to cancel the credit card.

2. Points Processing

When cardholders cancel their credit cards, they first need to check their credit card points. Based on their current credit card points, try to redeem some gifts or phone bills. , don’t waste your credit card points. After all, these are the points you accumulate every time you swipe the card. After canceling the credit card, the credit card points will be cleared.

3. Preliminary account cancellation

Credit card holders can go through the pre-account cancellation procedures by calling the bank’s customer service center, and then go to the bank outlet counter to formally cancel the account.

4. Formal account cancellation

The cardholder goes to the bank to apply for account cancellation. After 45 days, the bank needs to confirm that all the credit card debts have been paid off and all the debts have been repaid. Once cleared, you can cancel your account.

5. Card Destruction

After the user cancels the credit card account, the bank will destroy the card.

Credit card cancellation method:

1. Call the bank’s credit card center and ask about cancellation related matters. It mainly depends on whether your card is suitable for cancellation, whether there is a balance, etc.; use the phone to cancel the credit card 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.

2. Go to the bank counter to cancel the credit card. The cardholder must bring his or her ID card and the credit card to be canceled to the bank to fill out a card cancellation application form. The card may be collected first and the corresponding card cancellation procedures will be done one month later. However, you can also directly make an appointment to cancel the account on the day of card cancellation.

In addition, credit card cancellation is divided into card cancellation and account cancellation. After canceling the card, it is recommended to cancel the account, otherwise there may be some problems in applying for a credit card again; if there are still points in the credit card to be canceled that have not been used up, it is recommended to cancel all the points first. Cancel the card after redemption; cardholders should not use the credit card after submitting the credit card cancellation application until it is officially effective, otherwise the card cancellation application will be automatically revoked; after formal cancellation, cut along the credit card's magnetic strip and discard it to prevent theft.

If the cardholder's credit card limit is very low and they choose to cancel the credit card at this time, the cardholder also needs to pay attention to his or her card holding situation. If this is the first time you apply for a credit card, it is recommended that you do not cancel it, because with this credit card you can better maintain your personal credit. By swiping the card to improve your personal credit, it is also very useful for applying for credit cards from other banks in the future. Helpful. If the cardholder holds a very large number of credit cards and thinks that his or her credit cards are enough and wants to cancel the credit card, the cardholder also needs to seriously consider when applying for cancellation. If he or she holds too many credit cards, It will become more and more difficult to apply for a card, and it will become easier to cancel it.

How to cancel a credit card account

The main methods of canceling a credit card are:

1. Cancellation at the card issuing bank branch:

The cardholder can Bring your personal ID card and credit card to the counter of the card-issuing bank's offline business hall, apply for cancellation of the credit card, and complete the cancellation procedures with the help of the staff.

2. Customer service phone cancellation:

Card holders can directly call the customer service hotline of the credit card center of the issuing bank. After answering the call, follow the phone voice prompts to transfer to manual service and report to work The employee applies to cancel the credit card and waits for the staff to verify the personal identity before canceling the credit card.

3. 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 owe money on a credit card, bring cash and pay off the debt;

4. Cancel the credit card through official online banking: All major banks in China have online banks where 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;

5. 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 debt or balance on your credit card, otherwise you will not be able to cancel the account;

6. 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;

7. 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.

Can a credit card be canceled?

Credit cards can be canceled. If the user no longer needs to use the credit card, he or she can apply for cancellation, provided that there is no outstanding balance on the credit card. Users can bring their valid ID cards and credit cards to offline bank branches to handle cancellation services. Some banks also support cancellation by phone. Users can call the bank for consultation.

Users need to note that after submitting a cancellation application, the bank will generally not cancel the card for the customer immediately. Instead, it will leave a forty-five-day settlement period. After the forty-five days have passed, the bank will cancel the card. Only after confirming that there are no new bills or excess overpayments on the card will the card be officially canceled for the customer.

If there are unpaid bills or excess overpayments on the card, the cancellation cannot be successful. Therefore, it is recommended that customers check the card situation before applying to cancel the card. If there is an unpaid bill, pay off the bill as soon as possible; if there is excess overpayment, then Quickly withdraw the overpayment first, and then apply for cancellation.

After the credit card cancellation is completed, the user must remember to unbind the third-party platform. In order to ensure the successful cancellation of the credit card, after the settlement period, it is best to contact the bank for confirmation. Users can make inquiries by calling or at the counter.

This is the end of the introduction about whether a credit card account can be canceled and whether you have to go to the counter to cancel a credit card account. Have you found the information you need?