There is no way to return the credit card you just got. If you haven't got it, you can apply for a refund. In fact, if you don't use your credit card after you get it, you can apply for cancellation directly, or you can call the bank customer service hotline directly. After the general customer service verifies the information, it can be cancelled.
It is best to make sure that there is no annual fee before canceling the credit card, because many high-end credit cards will generate annual fees as long as they apply. If the annual fee is not returned in time, it will be overdue and affect personal credit information. Poor credit information will affect the handling of various loans, and it is usually more likely to be rejected by banks.
If the user doesn't want to use the credit card because the amount of the credit card applied for is low, it is completely unnecessary. At this time, the credit card can be activated, and the credit card limit can be increased later. However, when using a credit card, try not to pursue a high amount, which is generally 2 to 3 times your income.
You should think it over before applying for a credit card. You can go to the bank official website to find out, and then choose the one that suits you best. You can get the card quickly by applying online. Users can activate the card after they get it, and the activation method is marked on the envelope of the mailing card.
How to return the credit card?
Handling at the outlet counter: the cardholder can go to the outlet counter of the issuing bank with his ID card and credit card, explain to the staff that he wants to handle the card return business, then fill out the card return application form and explain the specific reasons for card return, and the staff will handle the card return after verifying his identity. Customer service telephone handling: the cardholder can call the customer service telephone number of the credit card center of the issuing bank, and transfer to manual service according to the prompt, and then explain to the staff to apply for card return, provide their own relevant information, and the other party will check the information to return the card.
Credit card is a credit certificate issued by commercial banks or credit card companies to qualified consumers.
Two, the form of credit card is a card with the name of the issuer, the validity period, the number, the name of the cardholder and other contents printed on the front. [1] Consumers with credit cards can go to special 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 limit.
Third, the earliest credit card appeared at the end of 19. In the 1980s, the British clothing industry developed the so-called credit card, followed by the tourism and business sectors. However, at that time, the card could only be used for short-term commercial credit, and the money had to be paid back as needed. There was no long-term default and no credit line. In 1950s, McNamara, an American Manhattan credit expert, dined in a restaurant. Because he didn't bring enough money, he had to ask his wife to send money. This made him feel embarrassed, so he organized DinersClub (English: Diners Club). Members can bring their dining charge cards to 27 designated restaurants for consumption without paying cash. This is the earliest credit card. Franklin National Bank was the first bank to issue credit cards, and other American banks followed suit.
It is said that one day, Frank McNamara, an American businessman, entertained guests in a restaurant in new york. After eating, he found that he forgot to bring his wallet. He was deeply embarrassed and had to ask his wife to bring cash to the restaurant to settle the bill. So McNamara came up with the idea of creating a credit card company. 1 In the spring of 950, McNamara and his friend Schneider jointly invested110,000 US dollars to establish DinersClub in new york, the predecessor of Diners Credit Card Company. Diners' Club provides members with a card that can prove their identity and ability to pay. With this card, members can keep accounts and spend money. This kind of credit card that does not need to be handled by a bank is still a commercial credit card.
Fourthly, another way of saying credit card is that credit card is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm and a thickness of 65,438+0 mm, which are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders do not need to pay cash when using credit cards, and make repayment on the checkout date. Except for some credit cards combined with financial cards, credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct money from users' accounts. 20 12 February, the bank confirmed that the credit card is safer without password, and if it is stolen, it will share the responsibility with the bank. Enjoy an interest-free period of 25-56 days (or 20-50 days). Credit card consumption enjoys an interest-free period, and the bill amount is paid off before the due repayment date, without any cost. There is no interest-free repayment period for cash withdrawal, and five ten thousandths of daily interest will be charged from the date of cash withdrawal, and the bank will also charge a certain percentage of cash withdrawal fee.
How to return the newly applied credit card?
There may be some trouble returning the credit card you just applied for. Here, I suggest you cancel it directly. Cancellation will not have any impact on individuals, it is very simple. The cardholder only needs to call the bank's customer service hotline to cancel, and the bank's customer service will verify the relevant information and handle it.
The newly applied credit card will not generate any fees if it is not activated, but we should pay attention to whether this credit card is a high-end credit card here, because many high-end credit cards will also generate annual fees if they are not activated. At this time, whether the card is returned or cancelled, the annual fee needs to be refunded, otherwise it will affect the user's credit information.
In order to avoid the situation that the credit card just applied for is not used, it is best for users to think clearly whether they need this credit card before applying for it. If the user is useless because the credit limit is too low, it is completely unnecessary at this time, and the credit card limit can be continuously increased through later use.
Users can apply for a credit card through the bank official website, and learn more about the rights and interests contained in this credit card through the bank official website, and know how to use the rights and interests. In this way, you can save more money by using this credit card at ordinary times, but you must repay it on time after using it.
How to pay back the credit card of Bank of Communications?
Bank of Communications Credit Card Refund Requirements:
Pay off the debt first, dial the credit card number of Bank of Communications: 800988888, and transfer to manual service. Please ask the customer service staff of Bank of Communications Credit Card Center to cancel the Bank of Communications credit card. After the customer service personnel verify your identity, they can go through the cancellation procedures for you. All processes can be completed by telephone without going to the Bank of Communications outlets.
Bank of Communications Credit Card is a credit brand product jointly launched by Bank of Communications and HSBC. Its user orientation is "a group of people who have ideals and pursuits for life and career, know how to enjoy, are more willing to struggle, and sometimes have the needs of studying abroad, doing business, studying abroad or traveling abroad."
Extended data:
Distribution background
In May 2005, just as Bank of Communications was preparing to enter the credit card business, it happened that the domestic market was filled with smoke: major domestic banks entered one after another, and the competition became increasingly fierce; Among the foreign banks, there are pioneers aiming at the China market and joining hands with domestic banks to establish a model of joint promotion of credit cards by domestic and foreign banks.
Facing the unfavorable competitive situation, how can Bank of Communications reverse the passive situation and win the leading position in the credit card market? As early as June 5438 +2004 10, before the establishment of the Pacific Credit Card Center, Bank of Communications had been thinking about two issues: first, the positioning of customers; Second, the advantages of strategic alliance with HSBC.