The credit card cancellation method of China Merchants Bank is as follows:
1, call credit card customer service to cancel. China Merchants Bank's credit card can be cancelled by calling the credit card customer service hotline at 400-820-5555, but it needs to provide some supporting information when canceling, such as ID number, office phone number at the time of application, company name at the time of application, home phone number and other registration information.
Operating environment:
Brand model: iPhone 13
System version: iOS 15.0
App version: 10.0.0
After checking the confirmation information, the bank will prompt "You have successfully cancelled the card, please use scissors or other tools to destroy the card". At this time, just destroy the card according to his operation.
2. Cancel at China Merchants Bank outlets. With my ID card, I will cancel at the bank where I opened the account.
3. Wait for the automatic cancellation of the credit card. If there is no money in the debit card, it will be automatically cleared into the sleep account after 2 years. When it is used in the future, it will prompt that it is in a sleep state after long-term non-use, and the wake-up card can operate according to the bank SMS prompt.
Extended data:
1. Credit card, also known as debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
2. The credit card stipulated in the relevant laws of our country (Interpretation of the NPC Standing Committee on the Provisions on Credit Cards in the Criminal Law of People's Republic of China (PRC)) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.
3. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when spending, and it will be repaid on the billing day. ?
4. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay; Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
5. From the date of 202 1 and 1, the credit card overdraft interest rate will be determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate will be cancelled (the original upper limit is five ten thousandths of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate). On May 25th, 2002/KLOC-0, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.
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There are two ways to cancel the credit card of China Merchants Bank.
1. Offline account cancellation: with the user ID card, go to the bank in the city where the account is opened to cancel the account;
2. Online cancellation: You can cancel by calling the credit card customer service phone, but you need to provide some supporting information when canceling. Usually, the bank can close the account after checking the user information and confirming it.
The above is how to cancel the credit card of China Merchants Bank. Related content.
What is a credit card?
Credit card can also be called credit card, which is a kind of personal credit certificate issued by commercial banks to users whose personal credit meets the standard. The method is a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Users with credit cards can go to specially invited commercial units to buy things or spend money, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed amount. Credit card consumption is a payment method of currency transaction. There is no need to pay in cash when spending, and the loan will be repaid after the credit card bill is issued.
Credit card withdrawal method
1. Withdraw cash in advance: Withdrawing cash in advance is one of the functions of bank credit cards. Cardholders do not need to apply to the bank in advance to withdraw cash directly from the ATM, and the withdrawal amount is generally 50% of the available credit card amount of the bank;
2. Cash withdrawal by installment: This cash withdrawal method requires the cardholder to apply to the bank, and the bank will approve it. If approved, the bank will transfer the money to the bank savings card under the cardholder's account; If the approval fails, the cardholder will not be able to withdraw cash;
3. Credit card overpayment withdrawal: Overpayment refers to the money left by the cardholder in the bank credit card, which can be directly withdrawn from the ATM.
Where can I apply for a credit card
1. application for service outlets: users bring ID cards, proof of work units, proof of funds and other materials to apply at nearby bank service points;
2. Third-party software application: You can pay attention to the official WeChat account of the third-party payment platform, select the type of credit card to apply for, and then fill in the information according to the information prompts;
3. Online application: log on to the bank's credit card website, select your favorite credit card category, and follow the prompts.
Credit card is a kind of card that can replace cash transactions. After a certain credit risk management process, the card issuer has proved that the user's personal credit is excellent and can sign bills in special stores for various consumption behaviors. This article is mainly about how to cancel the credit card of China Merchants Bank. Relevant knowledge points are for reference only.
How to cancel the credit card of China Merchants Bank?
Telephone cancellation: You can call the credit card service hotline of China Merchants Bank and follow the prompts to cancel. The customer service staff will verify some information and answer truthfully.
Counter cancellation: take my ID card and the credit card to be cancelled, go to the nearest outlet of China Merchants Bank and operate under the guidance of bank staff.
Tip: The bank will handle the formal account cancellation procedures for cardholders 45 days after accepting the application for account cancellation (except for those whose cards have expired for more than 45 days).
Matters needing attention in China Merchants Bank's credit card cancellation:
1. Before canceling, what you need to do is to ensure that your credit card is not overpaid or owed. If there is overpayment, you need to swipe your card or withdraw cash. If you owe money after cancellation, you need to repay your cancellation through the counter of China Merchants Bank.
2. When the cardholder applies for account cancellation, he should return the credit card to China Merchants Bank or destroy the card according to the regulations of China Merchants Bank, and the annual fee received will not be refunded.
3. The credit card can be cut off after canceling the confirmation. In life, a complete credit card cannot fall into the hands of others to prevent people with ulterior motives from using it.
So much for the introduction on how to cancel China Merchants Credit Card.