First, the necessary conditions for canceling the credit card: Under normal circumstances, if your credit card debt is not paid off, or the annual fee is not paid, or there is a balance, it cannot be cancelled. Of course, individual banks have other requirements for credit cards. Therefore, you must ask clearly when calling the official customer service phone of the credit card. Credit card cancellation method: ① Telephone banking cancellation: Basically, ordinary credit cards can be cancelled through 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. Note that you can cancel your credit card by phone only if you can cancel it. ② Bank Counter Account Cancellation: Bank Counter Account Cancellation is also an adopted method.
Second, 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 is in arrears! 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.
Third: truthfully explain the situation to the staff. If you really want to return your card, don't change your mind easily ③ Cancellation in the business hall of the designated bank: Of course, some banks have clear regulations on the cancellation of some credit cards because there are still gaps in the regulations on credit cards and there are many types of credit cards. So, if you are not sure where to cancel your credit card, call the official customer service in time.
Third, it is not recommended to cancel the credit card casually: credit card is one of the manifestations of personal credit. At present, the annual fee of credit card is very low, so as long as you swipe your card several times a year, you can avoid the handling fee for the next year. This is easy to handle. You don't have to cancel your card for the annual fee.
Of course, some people may forget to pay back the money owed by their credit cards, resulting in credit problems, and the bank also requires you to cancel your cards. Note that as long as you pay back the money you owe the bank and keep a good credit record in the future, you will be fine naturally. If you cancel your credit card, you can't apply again next time. Of course, you should learn to use credit cards rationally and swipe them rationally. If you can't control your brushing, you'd better cancel it!