Many people are always hesitant to apply for a credit card. After applying, they always struggle whether it is necessary to apply for a card. Some people even don't want it after submitting the application, but also cancel the credit card they applied for. So, what if I don't want it after applying for a credit card? Let's have a look.
How can I cancel my credit card if I don't want it after I apply?
There is actually a way to get rid of the credit card application, but to clearly know the progress of the credit card application, I suggest that you can check the credit card approval status through the credit card official website and WeChat official account, and then take corresponding measures, as follows:
1, under review:
If you find that the credit card application progress is under review, you can use the mobile phone number reserved when you apply for the card, dial the 24-hour service hotline of the issuing bank, transfer to manual service, and ask customer service to cancel the credit card application, but whether it can be cancelled depends on the final result.
2. Approved:
This situation indicates that the card has been approved successfully and cannot be cancelled. If you really don't want a credit card, you can directly call the service hotline of the issuing bank and manually cancel the card after receiving it. Before you cancel your card, you should have a clear understanding of the accounting of the credit card. If the credit card is not opened, the fee will be deducted, and the accounts payable must be settled before the card can be cancelled.
3. Sign in person:
This situation only passed the preliminary examination and needs to be signed in person before the final exam. Usually, there is a time limit for credit card face-to-face signing, which is stipulated in the short message sent. If you don't want a credit card, you don't need to go to the interview. If you don't sign in person within the specified time, the system will automatically end the credit card application.
4. The review was rejected:
If the credit card is not approved, the application will automatically end. In this case, you don't need to cancel yourself.
The above is the introduction of "What should I do if I don't want to apply for credits". I hope it will help everyone. In short, if you don't want a credit card after application, you can check the progress of the next card and take different cancellation methods according to the card approval status.
I applied for a credit card online. Can I cancel my application?
Credit cards applied online cannot be cancelled. Because the credit card application that has been submitted cannot be revoked. However, you can check the progress of credit card application through bank official website or telephone. Don't worry if the application fails. If the application is successful, you can also choose to cancel the credit card.
What are the requirements for credit card processing?
I. Credit card application conditions mainly include the following points:
1, age requirement: 18-60 years old;
2. Have the capacity for civil conduct;
3. Have a stable job and income source;
4. Personal credit information is good and there is no bad record.
Two. Materials and certificates to be provided when handling credit cards:
1. Domestic residents only need to provide: a completed and signed application form, identity certificate, residence certificate and income certificate;
2. Foreigners and Hong Kong, Macao and Taiwan people also need to provide: a foreigner's residence permit (the reason for residence must be employment) or a foreigner/Hong Kong, Macao and Taiwan people's employment permit;
3. If it is a private owner, in addition to the above information, it is also required to provide a copy of the business license showing the name of the applicant, the name of the enterprise and the commencement date.
Third, if you want to apply for a large credit card, you need to provide proof of good economic strength. Such as: copy of real estate license, copy of automobile driving license, copy of bank loan account (within 60 days of overdue credit) or copy of deposit certificate, etc.
Fourth, the handling method:
1, bank counter application;
2. Credit card application in official website;
3. Apply to the bank credit card salesman.
: How to cancel the credit card?
Method 1: the mobile phone calls the customer service phone of the bank credit card center and selects the cancellation service according to the voice prompt. (Credit cards need to be debt-free to operate successfully)
Method 2: Go to the bank counter to cancel. Bring my ID card and credit card, and fill out the card cancellation application form at the bank for processing. If there is no credit card debt or overflow deposit after 45 days, the cancellation is successful. After cancellation, cut off the magnetic stripe of the credit card and discard it to prevent theft.
How to cancel the credit card applied online?
Credit card online banking can be cancelled.
Log in to online banking to cancel the credit card online banking business.
Take the Bank of China as an example.
1. Enter "China Bank" in Baidu to search, and click "China Bank" to enter official website;
2. Go to the homepage of China Bank, and select "Personal Customer Online Banking Login" to log in to your personal account;
3. After entering the login interface, enter personal information to log in;
4. After entering, click "Account Overview" to cancel the corresponding business;
How to cancel a credit card application
The cancellation process of credit cards in different States is different.
1. Under review: If you find that the credit card application progress is under review, you can call the 24-hour service hotline of the issuing bank with the mobile phone number reserved when you apply for the card, and transfer the manual service, and ask the customer service to cancel the credit card application, but the final result will prevail.
2. Approved: This indicates that the card has been approved successfully and cannot be cancelled. If you really don't want a credit card, you can directly call the service hotline of the issuing bank and manually cancel the card after receiving it. Before you cancel your card, you should have a clear understanding of the accounting of the credit card. If the credit card is not opened, the fee will be deducted, and the accounts payable must be settled before the card can be cancelled.
3. Face-to-face signing: This situation only passed the preliminary review, and the final review is needed after the face-to-face signing. Usually, there is a time limit for credit card face-to-face signing, which is stipulated in the short message sent. If you don't want a credit card, you don't need to go to the interview. If you don't sign in person within the specified time, the system will automatically end the credit card application.
4. Rejection of approval: If the credit card approval is invalid, the application will automatically end. In this case, you don't need to cancel yourself.
First, the difference between card cancellation and account cancellation
1, credit card cancellation
Cancelling a credit card will only invalidate your card. As the name implies, the card cannot be used normally. Many people forget their cards after they cancel them, and some still throw them aside. However, after someone finds your card, criminals will use your magnetic stripe information to reissue the card and then use it for consumption. I didn't realize that the bank would inform you to repay after the credit card bill came out. At this time, if you don't pay attention, you will bring yourself overdue risks and unnecessary troubles! However, when you cancel your credit card and apply for a new one, the bank can't treat you as a new user.
2. Credit card cancellation
Credit card cancellation means that the personal bank credit card information account is completely deleted, and the system does not have all your information. The card needs you to cut off the magnetic stripe with scissors. If you apply for a card again, you can enjoy it as a new user. Some banks hold grudges when closing their accounts. Remember to think twice before you act.
This concludes the introduction of how to cancel the online credit card application and how to cancel the online credit card cancellation. I wonder if you have found the information you need?