If the credit card is not activated, you can cancel it. The specific method is as follows:

1. Call the bank to cancel. There will be a bank phone number on the card. After dialing, choose manual service and tell the customer service staff that it is convenient and quick to cancel the credit card.

2. You can also take the card directly to the bank counter. When going to a nearby bank, please ask the staff to assist in cancellation, and you need to bring your personal ID card.

apply for

In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China.

When applying for a credit card, each unit can get 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 guarantees to banks.

The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information.

And submit some copies of certificates and vouchers to the issuing bank.

After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

approve

The merchant and the bank confirm that the credit card is valid and contact the bank for authorization according to the contract signed with the issuing bank. Authorization is the amount that can be used to further prove the identity of the cardholder. Authorization is generally carried out when the usage specified in the contract is exceeded.

After receiving the authorization notice, the issuing bank will issue an authorization instruction according to the balance of the cardholder's deposit account and the agreement that the bank allows overdraft, and reply whether to agree to the transaction.

use

Credit cards are usually only used by the cardholder himself, and lending them to others is generally a violation of the use contract.

Pin card

Before the credit card is cancelled, the account balance must be settled, and the whole process of card cancellation must be completed within 45 days after the application.

How to cancel the credit card if it is not activated?

Applicants know that credit cards cannot be used without activation, and most users can only use them after activating their business. Although some users have not activated the applied credit card, it is recommended to cancel it if they do not use it for a long time.

If the cardholder needs to cancel, he can cancel the card at the offline counter or call the issuing bank to apply for cancellation.

If the user chooses to go to the offline counter for cancellation, he can go directly to the bank counter for cancellation, and he needs to bring his ID card and credit card. If you choose to cancel by phone, you can call the 24-hour customer service phone on your credit card to apply for cancellation. After successful manual cancellation, the credit card will be automatically cancelled in the month following the successful application for manual cancellation.

Once the cardholder successfully handles it, the ATM will show that the card has expired.

Extended data:

After the cancellation of the credit card is completed, the card must be cancelled or burned immediately. For cardholders, if the credit card has not been activated, it is best to cancel it in time if they don't want to use it. Once an inactive credit card is lost, it may be stolen by criminals.

If you don't intend to continue using your credit card, you must cancel your account. If the account is not closed, the bank will charge an annual fee for the credit card.

If the card is not overdrawn, you can apply for account cancellation at any time.

If the card has not expired, you need to apply first, and then go to the bank to cancel the account after a certain period of time; If the card has expired and the account balance is zero, you can directly cancel the account at the designated bank outlet. When closing the account, you should bring your valid ID card and the original card. If it's not convenient for me to close the account, someone else can help you. The agent must hold the power of attorney written by the principal (himself) and bring the original valid identity certificate to handle the account cancellation business.

If your card has not expired when you cancel your credit card account, some banks stipulate that you need to go to the designated outlets to receive the card, and then go through the formal account cancellation procedures after a certain period of time (up to 30 days). This is mainly because if the cardholder has done a manual card pressing transaction before closing the account, the cardholder will have closed the account before the merchant submits the card pressing form to the bank for entry, so that the bank will carry out liquidation; On the other hand, if the cardholder is in consumption abroad or withdraws cash, it may take several days to settle the account. If the account is closed immediately, it will also affect the normal liquidation of the bank.

Credit cards can easily lead to excessive consumption. This is a common problem for people who are caught in card debt, and swiping the card does not hurt the banknotes, so the consumption of swiping the card is even more unrestrained.

The annual interest rate of credit card is as high as 18%, which is true and can make the borrower lose blood quickly.

Credit card debt brings mental stress. Some card slaves report that they are often afraid of opening mailboxes or emails.

If the credit is not good, the cost of borrowing money is higher, and even money cannot be borrowed.

Credit card provides a kind of choice to support debt by debt and quench thirst by drinking poison, which leads to debt out of control.

In addition, many "benefits" are actually hidden traps.

The short-term preferential interest rate is not worth the loss in the end. A certain proportion of people will turn emergency financing into long-term debt. Therefore, don't be tempted by short-term low interest rates to make unnecessary loans.

How to cancel the applied credit card if it is not activated?

The applied credit card has not been activated. The cancellation method is as follows:

1. To cancel at the bank counter, you need to bring your ID card and original credit card.

Second, call the bank's customer service phone, find the human operator through independent voice prompts, and ask them to help you cancel manually. After successful manual cancellation is selected, the credit card will be automatically cancelled in the month following the successful application for manual cancellation.

Because the credit card application is approved by post, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from being stolen, credit cards have card opening procedures before they are officially opened.

Card opening is mainly through telephone or internet. , check the relevant personal information provided at the time of application, and go through the card opening procedures after meeting the requirements. At this time, the applicant becomes the cardholder and can officially start using it after signing on the back of the card. After a credit card is opened, it is generally necessary to set a password for the card.

After accepting a credit card, a credit card merchant or bank shall review the validity of the credit card and the identity of the cardholder.

The credit card has at least the following information on its surface:

Front: name and logo of the issuing bank, credit card type (organization logo) and holographic anti-counterfeiting logo, English or pinyin name, activation date (generally calculated to month) and effective date (generally calculated to month). The chip is attached to the front of the newly issued card, and the chip account and the card magnetic stripe account are two relatively independent accounts.

Back: card magnetic stripe, cardholder's signature column (which must be signed after activation), service hotline, the last four digits or all (to prevent fraudulent use), and credit card security code (the last four digits of the signature column on the back of credit card are used for credit card activation, password management, TV, telephone and online transactions, etc. ).

The merchant and the bank confirm that the credit card is valid and contact the bank for authorization according to the contract signed with the issuing bank. Authorization is the amount that can be used to further prove the identity of the cardholder. Authorization is generally carried out when the usage specified in the contract is exceeded.

After receiving the authorization notice, the issuing bank will issue an authorization instruction according to the balance of the cardholder's deposit account and the agreement that the bank allows overdraft, and reply whether to agree to the transaction.

Credit cards are usually only used by the cardholder himself, and lending them to others is generally a violation of the use contract.

This concludes the introduction of how to cancel the account when the credit card is not activated and how to cancel the account when the credit card is not activated. I wonder if you have found the information you need?