Banks with different credit card cancellation time have different card processing procedures. If you want to cancel your credit card, you can call the customer service center directly and provide your ID number and corresponding personal information without providing specific information. However, some banks require users to provide credit when canceling their cards. If they lose their credit card and can't remember it, users must first call the customer service center of the bank to get a credit card. If you use the bank's online banking to repay, you can also find the corresponding credit card.

After the bank receives the user's application for account cancellation, the processing cannot take effect immediately, and it usually takes about 45 days. Why can't the account cancellation take effect immediately? Because when the account is closed, the bank will only handle it if it is confirmed that the cardholder has no arrears. When the user returns the card, this time may span the next billing cycle, and the bank can only close the account after confirming that there is no debt in the previous billing cycle.

Generally, after 45 days, the user should call the customer service center of the bank again to confirm whether the account is closed successfully. Liu Jiangnian, a financial planner at Shanghai Pudong Development Bank, reminded cardholders that after customers choose to cancel their cards, they should properly handle the discarded cards. In order to ensure the security of the fund account, after the account cancellation is confirmed, the magnetic stripe of the credit card should be cut and the personal information on the surface of the credit card should be destroyed. Don't abandon the card without destroying it, so as to avoid information leakage and use it after being discovered by criminals.

Credit card cancellation conditions

The premise of credit card cancellation is to pay off the debt, and you can apply for cancellation after paying off the debt.

Credit card cancellation method:

1. Telephone card cancellation: the cardholder can call customer service to apply;

2. Selling cards at outlets: Some banks allow cardholders to bring their ID cards and credit cards to any local outlets to sell cards. After completing the application form for account cancellation, the bank will report a copy of the cardholder's ID card and the completed application form for account cancellation to the head office. After a period of time, the cardholder can call to check whether his credit card has been cancelled.

3. Selling cards at designated places: A few banks need to sell cards at designated places.

How to cancel the credit card?

Credit card cancellation methods mainly include:

1. Issuer's outlet cancellation:

Cardholders can bring their personal ID cards and credit cards to the counter of the offline business hall of the issuing bank, apply for cancellation of credit cards, and go through the cancellation procedures with the help of staff.

2. Cancellation of customer service call:

The cardholder can directly call the customer service hotline of the credit card center of the issuing bank, and after the call is connected, it will be transferred to manual service according to the telephone voice prompt, and apply to the staff for cancellation of the credit card. The staff can cancel the credit card after verifying their personal identity.

3. Go to the counter to cancel the bank card through the bank outlet: all major banks have windows to cancel the credit card and bring personal documents, such as ID cards and credit cards. If the credit card has debt, carry cash and pay off the debt;

4. Cancel the credit card through official online banking: all major banks in China have online banking. You can submit your ID card, credit card and other information, fill in the application for account cancellation, submit the application, and wait for the bank to call you for confirmation;

5. Cancel the credit card through the official customer service phone of the credit card: call the official service hotline of the credit card, transfer to manual service, and let the manual customer service apply for cancellation of the credit card. Before making a phone call, you should pay attention to the fact that the credit card has no arrears and balance, otherwise you can't close the account;

6. Cancel the credit card through the official bank WeChat official account or the official credit card WeChat official account: all major banks in China have official WeChat official accounts. As long as the card is bound and the credit card is cancelled, you can cancel the credit card in the official WeChat account;

7. Cancel your credit card through the official bank APP: All major banks, including credit card service centers, may have their own official website APP, so you can cancel your credit card directly on the website.

How to cancel a credit card account?

How to cancel a credit card account?

1, telephone banking cancelled.

Basically, ordinary credit cards can be cancelled by telephone banking. Of course, some banks may be a little troublesome, while others are different, such as China CITIC Bank and China Merchants Bank, which are very convenient. Note that you can cancel your credit card by phone only if you can cancel it.

2. The bank counter is cancelled.

Going to the bank counter to cancel is also the method used. But pay attention to the following points:

First: bring the necessary documents, such as ID card, credit card, and prepare the money if the credit card owes money!

Second: remember to avoid the rush hour of the bank, so as not to queue for too long and delay your normal work and life.

Third: truthfully explain the situation to the staff. If you really want to return your card, don't change your mind easily

First, before applying for account cancellation and account cancellation, make sure that the points in your credit card have been redeemed to avoid wasting points. Because credit card points are consumer rewards from the issuing bank, you can exchange the corresponding items at the issuing bank. All the points in the card will be cleared after account cancellation and card return, so you must redeem the points before account cancellation and card return to avoid unnecessary losses.

Two, credit card cancellation in the settlement period shall not use credit cards. Because there will be a 45-day "settlement period" before the credit card account becomes effective, if you try to use the credit card again during this period, it will lead to the failure of account cancellation. So if you are not sure whether the account cancellation is successful, you can contact the issuing bank to ask. Of course, if the user goes back on his word before the account cancellation officially takes effect and wants to withdraw the account cancellation application, he can also contact the issuing bank to reopen the function.

Third, after the credit card expires, it is necessary to be cautious to cancel the account. If the credit card is overdue, you can apply for account cancellation or card refund immediately after handling the arrears, but you can still leave your overdue record in the credit report of the issuing bank. And the overdue record of this credit card will be kept in your personal credit report for 5 years. So what are we going to do? The correct way is to continue to use this credit card after full repayment, and gradually cover the overdue bad records with good records. Within two years, this overdue record will no longer affect your personal credit information.

Fourth, if the credit card only sells the card and does not cancel the account, it will not be able to enjoy the treatment of new users. Many banks stipulate that after 6 months to 12 months of successful account cancellation, they can apply for a new credit card and enjoy the treatment of new users again. However, if you just return the card and don't cancel the account, you are an old customer of the issuing bank, and you will not be treated as a new user when you apply for a new credit card again.

Therefore, the cancellation and cancellation of credit cards seems simple, but there are actually many precautions. Therefore, you must be prepared before canceling your account and card to reduce unnecessary trouble!

How to cancel the credit card account of ICBC?

ICBC's account cancellation card can be cancelled through ICBC telephone banking or at the counter.

ICBC card cancellation method:

1, cancel ICBC telephone banking:

When ICBC's credit card is deactivated, you can choose to cancel it through telephone customer service. But only if the credit card has no arrears can it be cancelled. Call the customer service hotline of the corresponding bank, input information according to the prompt, and cancel the account.

2. ICBC counter cancellation:

When closing an account, you need to bring your personal ID card and the original credit card to the counter of the local ICBC branch, explain to the service staff that you want to close the account, give the credit card to the bank staff, fill out the relevant application form, and handle the account closing and card cutting.

If the cardholder loses his credit card, he needs to reissue a credit card to close the account.

How to cancel a credit card account?

1. Pay off all bill arrears, and pay attention to no balance overflow. Before canceling the card, it is necessary to confirm whether all debts on the current card surface have been paid off;

2. Apply to the issuing bank for cancellation. At present, banks only accept customer service hotline to sell cards and complete related operations according to voice prompts;

3. Wait for the inspection period and confirm the cancellation of the card. Usually, the inspection period of banks is 45 days. After applying for cancellation, the credit card will not be cancelled immediately. All banks generally have a "settlement period" of 45 days. Some arrears may not appear on the bill when applying for card refund. After this time, you can confirm whether the cancellation application is successful.

4. Cut off the credit card that has been successfully cancelled. In order to prevent the credit card and personal information from being stolen, remember to cut the discarded credit card along the magnetic stripe after the card is successfully cancelled. If the credit card is lost when applying for card cancellation, in order to ensure privacy and safety, it is best to apply for loss reporting first, and then go through the formalities of card cancellation.

Will credit card cancellation affect credit reporting?

First of all, everyone should know that the cancellation of credit cards will also be displayed on the credit information, especially the cancellation of accounts. After the credit information is updated, you can still see the basic information of this card in the credit card record, including credit limit, issuing bank, etc. The status display is cancelled. Credit card cancellation is divided into normal cancellation and abnormal cancellation, which have different effects on credit investigation.

1. If it is a normal cancellation, although the credit was received at the meeting, it has little impact, because the cancellation of the credit card is not a bad record, but it may affect the re-issuance of the card in the same bank. For example, the cardholder cancels a bank's credit card and then applies for it. If he meets a real bank, he may not issue the card.

2. If it is an abnormal cancellation, that is, the credit card is paid off after it is overdue, it was originally thought that this could eliminate the bad record of the credit card. Here we can only say that this is a mistake. You should know that the cancellation of the credit card will still be shown on the credit report, and the overdue record will certainly not disappear because of the cancellation. On the contrary, because credit cards can no longer be used, overdue records can not be covered by new records, and credit business will not be so smooth in five years.

Second, will the cancellation of credit cards affect the mortgage?

Cancelling your credit card before applying for a mortgage won't make any difference. As long as the cancelled credit card has a good past record and no overdue debts. The customer meets the requirements of the bank, has the ability to repay the principal and interest of the loan on time, and has good personal credit. Banks will naturally issue loans to customers, and there is no case where customers do not issue loans because they cancel a credit card. However, if customers are unable to repay their credit cards and intend to cancel their credit cards before applying for a mortgage, they should pay attention. First of all, if the credit card is not paid off, the bank will not cancel it; Secondly, even if the customer cancels the credit card after paying off the overdue debt of the credit card, the previous overdue record will not be deleted from the credit report because the card is cancelled.

How to cancel the credit card?

The cancellation process is as follows:

1. Call the bank customer service phone to apply for cancellation of the credit card. Note that at this time, bank customer service will generally retain you. If you decide to cancel the card, don't listen to him "fool" and insist on canceling it.

2. There will be a settlement period of 30 -45 days from the telephone application for cancellation to the formal cancellation. Never use a credit card again in the meantime.

3. 40 days after the cancellation, call the bank customer service to confirm whether the cancellation is successful, so as to avoid leaving a bad record for yourself because of the unsuccessful cancellation for special reasons.

4. Don't throw away the cancelled credit card everywhere. Cut the magnetic stripe and discard it to avoid being picked up by criminals and causing losses to yourself.

Extended data

For customers, if they plan to return the card, it is best to unlock the card in advance and it takes time to return the card. Leave time to return the card before the next annual fee collection to avoid paying an extra annual fee.

This export card is not the same as canceling the account. Some banks will keep customer information after canceling the card, but all customer information will be deleted after canceling the account. Therefore, it is suggested that cardholders cancel their accounts while returning their cards, which can not only ensure the safety of personal information, but also enjoy the preferential treatment for new customers when banks open new credit cards in the future.