How to cancel a Postal Bank credit card

1. Call the Postal Bank credit card customer service hotline to apply for cancellation. The postal bank credit card cancellation hotline is 95580. After the information is successfully verified, the card will be canceled for you.

2. Go to the nearby Postal Bank branch to apply for cancellation. Cancel the credit card through the counter staff.

In most cases, citizens who have full capacity for civil conduct (citizens over 18 years old in mainland China) and have certain direct financial resources can apply for a credit card from the card issuing bank. Sometimes, legal persons can also serve as applicants

Those who apply for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed.

Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank.

After the customer fills in the application form truthfully, he or she must also submit relevant credit certificates while submitting the completed application form. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature.

After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness. The content of the review mainly includes whether the content of the application form is true. For the applicant, the creditworthiness of the applicant must be assessed. For individuals, the relevant circumstances of the guarantor must also be reviewed.

Usually, banks will judge whether to issue a credit card to the applicant based on the application information and various aspects of the applicant's information and financial situation. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.

The specific factors and processes reviewed by the card issuing bank are commercial secrets and are generally difficult for outsiders to understand. The standards of each card-issuing bank are also different. Therefore, the same materials may be issued with different credit limits and different types of credit cards in different banks. Some banks may even approve the application, while others may reject it. .

How to cancel Postal Savings Bank credit card?

After opening the credit card, you don’t want to use it, or you decide to give up after using it for a period of time. At this time, you need to cancel the credit card. Now I will talk about how to cancel the Postal Savings Bank credit card of Jintou Credit Card?

1. How to cancel Postal Savings Bank credit card

1. Go to a bank branch to cancel the card

You need to bring your valid ID and the credit card you want to cancel. Go to a Postal Bank branch and apply at the counter. If you have more questions, you can also consult bank staff.

2. Call the customer service number to log out

You can choose to use the bank’s reserved phone number to call Citibank customer service number 4008895580 when the credit card debt has been paid off, and directly follow the prompts to choose manual Serve.

Cancel your credit card. To ensure account security, the card must be with you when canceling the card over the phone.

Note: Through the above two methods, only the card cancellation business has been handled. At this time, the status of the credit card is not canceled. It needs to be reviewed by the bank. It will be completely canceled after 45 days.

2. Notes on cancellation of Postal Savings Bank credit card

1. Application for cancellation of Postal Savings Credit Card should be made 50 days before the expiration of the credit card.

2. After the credit card is cancelled, if you need to apply for a Bank of China credit card again, you can only apply after 6 months. You can call the service hotline 4008895580 for specific information.

3. Within 45 days after the Postal Savings Bank credit card cancellation application is submitted, the cardholder shall repay all the outstanding balances on the credit card in accordance with regulations, including all installment payments and various handling fees.

4. When the Postal Bank chip card account is canceled, the electronic cash balance should be zero. If there is an electronic cash balance in the canceled chip card, it can be used by the cardholder himself. Postal Savings Bank is not responsible for the loss of electronic cash. Return Responsibility.

5. After the cancellation application is submitted, if the outstanding balance in the credit card has been paid off, the cardholder should return the credit card and all supplementary cards to the Postal Savings Bank or destroy them themselves. Failure to destroy the cards in time may cause The loss will be borne by the cardholder.

6. For safety reasons, it is best to call the bank’s customer service number about 40 days after canceling the card to confirm whether your account has been successfully canceled to avoid future troubles.

The above is the content I introduced to you about "How to cancel Postal Savings Bank Credit Card?" from Jintou Credit Card. I hope this article I compiled will be useful to you. If you want to know more about credit cards, it is recommended to pay attention to Jintou Credit Card!

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How to cancel a Postal Savings Bank credit card? What should you pay attention to when canceling a card?

Nowadays, credit cards can be said to be common items, and almost everyone has more than one credit card. For those credit cards that are not used frequently, people often cancel the cards. When it comes to canceling a card, different banks may have different regulations, so the methods of canceling the card may also be different. So, how to cancel a Postal Savings Bank credit card? Let me answer it for you today.

How to cancel a Postal Savings Bank credit card?

1. Cancel the card at a bank branch

If there is a Postal Savings Bank branch near you, then you can bring the Postal Savings Bank credit card you want to cancel and your ID card Go to the bank's business branch to cancel the card and ask the staff at the counter to help you cancel the card.

2. Bank customer service phone to cancel the card

Because when you go to an outlet to handle business, you often need to queue up to get a number, so sometimes it may take a while, if you find it troublesome. , you can call the Postal Savings Bank’s customer service hotline at 95580 or 400-889-5580 to cancel the card. Just apply to the customer service staff to cancel the card directly through manual service.

What should you pay attention to when canceling a Postal Savings Bank credit card?

1. Before canceling the card, be sure to check whether there is any debt or balance in your credit card. If there is a debt, pay off the debt first. If there is a balance, take out the balance. Of course, if your balance If it’s not much, you can also choose to give up directly.

2. After you handle the card cancellation business, the bank still needs to review it. The review time is 45 days, and the bank will not officially cancel your credit card after 45 days.

The above is the answer to "How to cancel a Postal Savings Bank credit card? What aspects should be paid attention to when canceling a card?" Friends who need to cancel their own Postal Savings Bank credit cards can adopt the method summarized above. Perform operations. It is also important to note that after canceling the card, the card must be cut to avoid information leakage.

How to cancel Postal Credit Card

How to cancel Postal Savings Bank Credit Card:

1. Telephone application: When users need to cancel their credit card, they can call Postal Savings Bank Credit Card Customer Service Call the hotline, ask the staff to cancel the card, and inform them. After the information is successfully verified, the card cancellation process will be processed for you. The steps are as follows:

1. Call the Postal Savings Bank credit card customer service phone number: 4008895580.

2. Press "0"-"0".

3. After hearing the voice prompt, enter "ID card number or #".

2. Bank application: If there are Postal Savings Bank users nearby, you can directly take your Postal Savings Bank credit card to a nearby bank branch and cancel the credit card through the counter staff.

Extended information:

You should pay attention to several issues before canceling the postal credit card:

1. Before canceling, make sure there is no debt on the credit card. If the debt has not been paid, Canceling it immediately will affect your credit record;

2. If there is an overpayment, you can spend it with the card first and then apply for cancellation. Otherwise, if there is an overpayment on the card when canceling, how much will it cost? It can be collected after 3 months;

3. If the number of credit card swipes is not met, the annual fee will be deducted, which will also cause arrears.