Many people will apply for multiple credit cards in their daily lives, but not all of them will use them. So how to deal with long-term unused credit cards is the best? Do you usually pay attention? Let me give you a detailed introduction, so that you can accurately handle unused credit cards in peacetime.
The best way to deal with credit cards that have not been used for a long time is to cancel them. When canceling, just call the customer service hotline of the bank to which the credit card belongs, and the bank will submit the cancellation application after verifying the user information. After submitting the cancellation application, the credit card cannot be used. If you continue to use your credit card, it will not be cancelled. Generally, you can check whether the credit card has been successfully cancelled 45 days after submitting the application for account cancellation.
It is worth noting that credit card cancellation is divided into card cancellation and account cancellation. The card withdrawal here is only the cancellation of the credit card itself, and the cancellation of the account is the cancellation of the cardholder's information in the bank. At this time, all credit cards handled by the user at the bank will be cancelled. This is what everyone needs to distinguish clearly. After all, there will be more credit cards for cancellation. After the account is closed, the bank has no user information. If you want to get credit from this bank again, you must resubmit the application materials.
Before canceling the credit card, make sure that there is no overpayment and no annual fee to be exchanged. Only in this way can the credit card be cancelled. In addition, the use of credit cards will generate points, and it is best to spend the points before canceling the credit card. After all, they have tried very hard to save them.
Before the credit card is officially cancelled, the user should keep the card properly, and the card can only be cut off after the cancellation is successful. After the cancellation, the card cannot be thrown away casually to avoid personal information disclosure. If the cancellation is unsuccessful, you can consult the bank at this time and apply for cancellation again after amendment, then the cancellation can be successful.
Finally, it is best not to cancel the credit card that has just expired. Generally, it will be cancelled after a period of use, which will make your credit information better.
What if I don't use my credit card?
Don't want to use a credit card: if you don't plan to activate a credit card, you should cancel it, otherwise you will still have to charge an annual fee. It is recommended to cancel the credit card within one month after issuing the card, and no later than 12 months. General bank counters do not provide credit card cancellation services, and it is not excluded that some banks can provide such services. However, most banks require cardholders to call the customer service phone number of our credit card center to apply for cancellation of credit cards. I don't want to use a credit card, so I have to cancel it, remember! Otherwise, the bank will continue to charge the annual fee and record the annual fee during the overdue period year by year, which will not only form interest and late fees, but also affect the cardholder's personal credit information!
Apply for credit card cancellation at the bank counter, and the counter staff will conduct a comprehensive liquidation and verification of all interest charges for credit card cancellation;
After the bank confirms that there is no arrears, including annual fees, it needs to fill in the relevant application form and submit the application for cancellation of account through the counter system after being authorized by the right person;
At this point, the credit card information enters the pre-cancellation state, and the bank will set a one-month "regret period" for credit card cancellation. If the customer does not apply for recovery within one month, the system will automatically cancel the credit card, and the customer does not need to go to the counter to go through the formalities. 1. Cardholders who return their cards do not want to use a bank's credit card, but can apply to the bank for account cancellation and terminate all the use rights of the credit card. The cancellation of the card is the cancellation of the credit card, but the bank still retains the personal account opening information. After the general card is cancelled, it can still be reopened in a short time. 2. After the customer cancels all the credit cards in the bank, he applies to the bank for account cancellation. After the account is cancelled, all information except bad credit information will be deleted. 1. After the card is cancelled, the customer is still an old customer of the bank and no longer enjoys the preferential treatment for new customers of the bank. After the account is cancelled, the customer is equivalent to a new user. If you apply for the card again, you can enjoy the discount for new customers.
2. After the credit card is cancelled, the magnetic stripe information is still there. After the account is closed, all information will be lost and the credit card will be completely invalid.
How to deal with unused credit cards?
If the credit card is not used, it should be cancelled. Cardholders can call the customer service hotline of the issuing bank's credit card center to apply for cancellation of their credit cards.
If you want to continue to use it, as long as the credit card consumption reaches the number stipulated by the bank, there will be no annual fee next year.
After the credit card is not used, confirm that there is no debt and balance before canceling it.
Credit card cancellation has a 45-day cycle. Don't use the credit card again during this period, otherwise the credit card will be recorded in the personal credit report.
This concludes the introduction of how to deal with unused credit cards and how to eliminate unnecessary credit cards. I wonder if you have found the information you need?