Most people have multiple credit cards in their hands, and gradually the functions of some credit cards seem to be useless. In the face of credit cards everywhere, we have started the road of "returning cards", so how to return credit cards?

1, telephone banking cancelled. When calling the customer service phone number of the relevant bank, the user needs to provide the information at the time of cancellation, including ID number, office phone number at the time of application, company name at the time of application, home phone number and other information.

2. The bank counter is cancelled. Users need to carry valid certificates such as ID cards. If the credit card is in arrears, you need to prepare the cash owed, submit relevant materials to the counter staff and cancel the credit card.

Before we cancel the card, we need to confirm whether our credit card has paid off all the debts. If there are still outstanding debts, we should pay them off first before canceling the card. Before you cancel your card, check how many points you have on your credit card and what you can exchange, whether it's a gift or a phone bill. In short, don't let the points go to waste. If it is not exchanged, the points will be cleared when the card is cancelled.

4. Some banks will automatically cancel customers' credit cards after 45 days without any arrears or overpayment. Customers can directly cut off the magnetic stripe and chip of the card, and cut as many as two knives as possible to ensure that the magnetic stripe and chip of the card cannot be recovered.

I suggest you use your credit card more rationally and keep a clear head. Just a few suitable credit cards are enough, because the process of applying for a credit card will be reflected in the credit information. Frequently applying for a credit card will give the bank a feeling that you are in a hurry to use money, and the natural pass rate will be reduced.