You can call customer service with your mobile phone or cancel at the counter. Method 1: Call the customer service phone of the bank credit card center with your mobile phone, and choose to cancel the service according to the voice prompt. It should be noted that your credit card can be successfully operated without debt. Method 2: cancel at the bank counter, bring your ID card and credit card to the bank to fill out the card refund application. If the credit card has no arrears or excess deposits after 45 days and the cancellation is successful, the cancelled credit card should be cut open and discarded to prevent theft.
1, Jinsui Credit Card is based on creating a new life and experience for cardholders, and is committed to becoming the most trusted credit card brand for cardholders. With innovation as the main line, Jinsui Credit Card has successively launched a series of products such as standard series cards, official cards, platinum cards, multi-regional co-branded cards and special cards for different customer groups to lead consumer demand. Different customer groups. In addition to providing a series of intimate services such as raising the temporary limit at any time, self-service, 24-hour free customer service hotline, zero card loss risk, timely notification by SMS, choice of consumption password, emergency rescue and so on. There are various repayment methods. Combine the network advantages, network advantages and product advantages all over urban and rural areas to form a strong functional advantage.
2. Based on the principle of "cooperation, communication, innovation and win-win", Jinsui Credit Card has formed a multi-level and multi-angle cooperation system with all walks of life around brand cooperation, customer sharing, channel cooperation and joint construction and sharing. Service network and product research and development cooperation will create a perfect life experience for cardholders and deliver excellent life value. The overdraft limit of a credit card is also directly related to the relevant material information when the cardholder applies. For example, personal income, real estate, vehicles, and the nature of personal work are used as proof materials to apply for credit cards, and credit card quotas are limited. Similarly, the overdraft limit of a credit card will increase with the cardholder's consumption limit, and it will automatically increase within six months or one year.
3. As long as you have a fixed residence, a stable income and full capacity for civil conduct in the place where the issuing bank is located, you can apply for a Huinong credit card (personal card). You can apply for supplementary cards for other people with full capacity for civil conduct. For the application materials that need to be provided, you must provide identity information, and the issuer has the right to ask you to provide one or more credit proof materials such as income certificate, work certificate and asset certificate; If the card is opened by way of guarantee, the identity information and guarantee information shall be provided in accordance with the relevant provisions of the guarantee business of Agricultural Bank of China.
How to cancel the credit card? Understand the sales process of these greeting cards.
Many card friends have many credit cards, but most of them are idle. This kind of credit card will have great hidden dangers, so it is best to sell the cards as soon as possible. But many card friends are not very clear about how to sell credit cards. Let's introduce the credit card sales process.
How to cancel a credit card
1, query account information
Before canceling your credit card, you need to check your account information to see if there are any outstanding debts in the card, or if there is any extra money in the card, such as overpayment or money for Kari Village. For details, please log in to the credit card online banking or WeChat official account.
2. Pay off the arrears or empty the balance.
If you find any outstanding debts, you must pay them back before you cancel the card. Don't cancel your card just because you owe a lot of money and can't afford it. The bank will not agree, because before cancellation, the bank will check whether the credit card is in arrears; In addition, if there is extra money in the card, you must take it out or spend it through consumption.
3. Call to cancel the card.
After confirming that there is no arrears and extra money in the card, call the customer service hotline of the issuing bank and turn to manual service to cancel the card. Customer service will handle it for you after verifying your identity.
Step 4 wait for cancellation of acceptance
At that time, calling to cancel the card was unsuccessful and it took more than 40 days. Under normal circumstances, the cardholder should call the bank to confirm whether to cancel the account 46 days after returning the card.
5. Query the cancellation result
After the specified cancellation time, check the cancellation result of credit card. The cancelled card needs to be cut, whether it is cut or not, don't throw away the credit card. If it is used by a willing heart, it will be a big loss.
Summary: The credit card cancellation process is still very simple, but the cancellation of the card will cause the bank to lower your comprehensive score. Because issuing bank credit cards is costly, and all credit cards are issued free of charge, the bank just wants cardholders to use more cards to offset the cost, so we should not sell them easily.
Excuse me, how to cut this cancelled credit card?
The magnetic stripe is the top of the back, a rectangular frame, usually black, just cut it off.
How to cancel unused credit cards correctly, and be careful of annual fees and arrears?
If you want to cancel a credit card that has not been used for a long time, you still need the correct steps.
Step 1: Before returning the card, you need to pay off the annual fee deduction.
Many people don't insist on using credit cards and regret it after receiving the annual fee bill. At this time, if you want to return the card, you must pay off the annual fee before you can return the card. But banks will provide various preferential measures to make up for the "carelessness" of credit card users.
General banks will provide annual fee-free discounts for swiping cards 3 to 6 times a year, and some banks will also give some leniency to high-quality customers, allowing them to make up the number of swiping cards within the next month to avoid annual fees; Many banks also introduce points to offset annual fees. If you just want to avoid the annual fee, then make it clear to the customer service. what can I do? The bank will find a way, because it wants to keep users more.
Step 2: Call the manual customer service to see if there is any debt.
First, check whether there are any open accounts in your card. If you want to cancel your credit card, you must ensure that there are "no more points" in the card;
Secondly, let's see if the money we spent in the past two years is overdue. If the overdue records are not updated, personal credit will be damaged, and it will not be so easy to apply for loans in the future. It will take 24 months after the deadline to cover.
Finally, get to know the points, and it's not too late to cancel the account after redeeming the gifts. It is worth mentioning that some banks offer generous gifts when customers apply for cards. In this case, the card cannot be sold casually, and it will take at least half a year.
Step 3: Cut the card.
The easiest and most convenient way to cancel the card is to call the customer service hotline on the back of the card, and someone will help you cancel the card. You don't have to return the credit card to the bank, just "cut it off".
What's the difference between returning a card and canceling an account? Cancellation of credit cards Single card cancellation and whole household cancellation. The so-called single card cancellation means that only one credit card under the cardholder's name is cancelled, while the whole household cancellation means that the cardholder's entire account is cancelled and all the cards under his name will be cancelled. All your information in the bank will be deleted. Both cancellations only require telephone application, and there is no charge.
Do I need to cut off my credit card after it expires or is cancelled?
It needs to be cut off after cancellation, and the magnetic stripe on the back of the card can be reduced by one corner.
The credit card cancellation method is as follows:
1, telephone banking cancelled.
Basically, ordinary credit cards can be cancelled by telephone banking. Of course, some banks may be a little troublesome, while others are different, such as China CITIC Bank and China Merchants Bank, which are very convenient.
2. The bank counter is cancelled.
Going to the bank counter to cancel is also the method used. But pay attention to the following points:
First: bring the necessary documents, such as ID card, credit card, and prepare the money if the credit card owes money!
Second: remember to avoid the rush hour of the bank, so as not to queue for too long and delay your normal work and life.
3. The business hall of the designated bank shall be cancelled.
Of course, because there are still differences in the regulations of credit cards among banks, and there are many types of credit cards, some banks will have clear regulations on the cancellation of some credit cards. So, if you are not sure where to cancel your credit card, call the official customer service in time.
4 Credit cards cannot be thrown away after cancellation. The cancelled card also contains a lot of personal information, so you can use it in some places as long as you need it, and never throw it away. If there is no need for collection, the magnetic stripe should be cut out and handed over to the bank counter for special crushing.
What is a credit card?
Credit card refers to an electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. Credit card is a non-cash transaction payment method and a simple credit service; 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. Credit card refers to the credit payment tools issued by commercial banks in People's Republic of China (PRC) (including foreign banks and Sino-foreign joint venture banks, hereinafter referred to as commercial banks) to individuals and units.
Forget how to cut a credit card.