There are two ways to cancel CITIC Credit Card:
1. The counter of China CITIC Bank was cancelled. Counter cancellation requires you to bring your credit card and ID card, and then give it to the counter staff for cancellation.
2. Telephone cancellation of CITIC Bank. Call the customer service telephone number of CITIC Bank at 4008895558 to apply for account cancellation.
There will be a review period for canceling credit cards. In the cancellation phase, the bank will check whether there is demand for credit cards or outstanding debts. If not, the bank will cancel it for you. Remember to cut the card after cancellation.
Cancellation method of credit card pre-authorization of CITIC Bank:
1. Cancel directly when the merchant checks out; Effective immediately.
2. Fax Cancellation: If the pre-authorization transaction cannot be cancelled at the merchant side, the merchant can fax the information to CITIC (fax number: 0755-25832630) within 30 days of the pre-authorization transaction. Fax materials include information such as pre-authorization amount, authorization number and transaction date, and must be stamped with the legal and effective financial official seal of the merchant, and the processing time is 3-5 working days.
3. Cancel automatically. If the merchant fails to handle the transaction, the automatic cancellation time limit is generally 30 days.
What is a credit card:
Credit card, also called 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.
Advantages and disadvantages of credit cards:
1, advantages:
Avoid carrying a lot of cash, spend points to exchange gifts, understand consumption habits through consumption bills, control consumption, make money by using interest-free period, use credit cards for daily consumption, and buy low-risk and high-liquidity wealth management products in cash, so as to get interest income quickly and deal with emergencies conveniently. When the repayment record is good, the credit rating can be improved. 2. Disadvantages:
It is easy for people to have no planning, no sense of crisis, strong dependence on credit cards, unnecessary impulse consumption, tendency to buy luxury goods, beyond the actual purchasing power, dare not give up their jobs, miss the opportunity to try, and cannot save their savings for paying back credit cards.