How to cancel a Minsheng Bank credit card

1. The cardholder can cancel the card by calling the 24-hour customer service hotline of Minsheng Bank at 400-669-5568. Special reminder should be paid to the account when canceling the card. There must be no outstanding balances, and the card must be with the cardholder before cancellation.

2. If a Minsheng Bank credit card holder loses his or her credit card, the card holder can only cancel the card at the counters of major Minsheng Bank branches.

: A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's 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 designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).

The earliest credit card appeared at the end of the 19th century. In the 1880s, the British clothing industry developed so-called credit cards, and the tourism and business sectors followed suit. However, the cards at that time could only be used for short-term commercial credit, and the money still had to be paid as and when used. Long-term arrears were not allowed, and there was no credit limit.

How to cancel the credit card account of Minsheng Bank

There are two ways to cancel the credit card account of Minsheng Bank

1. Cancel the credit card account through the bank phone

Minsheng Bank credit card holders can call the customer service hotline 400-669-5568 to cancel the account, and enter other information according to the prompts to successfully cancel the account. Special reminder is that there must be no outstanding balance in the account when canceling the card, and to ensure account security, the card must be with the cardholder when canceling the card over the phone.

2. Cancel the account through the counter of Minsheng Bank

If the credit card has been lost, the cardholder can only cancel the account through the bank counter. When you go to a bank branch to cancel your credit card, you need to bring a valid ID, fill out the relevant application, and then complete the cancellation.

It should be noted that if your credit card is lost, it is best to report the loss first and then cancel it. According to the credit card regulations, the cardholder shall be responsible for the losses caused after the credit card is lost and before the loss is reported. The losses caused after the loss report takes effect shall not be borne by the cardholder.

Notes on cancellation of Minsheng Bank credit card

1. There is a difference between card cancellation and account cancellation. After the credit card account is closed, all credit cards under the account will be canceled.

2. Only by settling the outstanding balance in the account can the cancellation be smooth. In addition to preparing relevant ID cards, you must also ensure that there is no outstanding balance in the card. If the deposit amount is small, you must explain it to the staff and ask them to clear it.

3. After applying for cancellation, you must wait for a 45-day settlement period, and call the bank after 46 days to check the cancellation status. Only after confirmation can the cancellation be considered successful.

4. Cut off the old card after completing the cancellation. The canceled card still contains a lot of personal information, and can be used in some places only, so it must not be thrown around. If there is no need for collection, the magnetic strip should be cut off and handed over to the bank counter for special shredding.

How to cancel Minsheng Credit Card

1. If you have just applied for a credit card and the card has not been issued yet, you can call Minsheng Bank Credit Card Customer Service to apply for cancellation of the credit card.

2. If you have already received a credit card, you can call Minsheng Bank customer service and apply to cancel the credit card.

3. You can borrow money quickly by pledging your mobile phone!

4. You can directly call the credit card customer service number of Minsheng Bank to apply for cancellation of the credit card, or cancel the credit card. The credit card customer service hotline is 400-669-5568, or you can call the 24-hour customer service hotline 95568.

5. If you want to cancel a credit card, the cardholder needs to pay off the balance first and there is no overpayment in the card before it can be cancelled.