How can I cancel a Hua Xia Bank credit card? The customer service phone number is not answered no matter how hard I call it. . . . . .

Hua Xia Credit Card can be canceled by phone or at the counter.

1. Dial Hua Xia Credit Card customer service hotline 4006695577 to cancel. The telephone customer service will ask for cancellation related matters, mainly to see whether it is suitable for their credit card to be canceled, whether it is balanced, whether there is debt, etc. If the cancellation conditions are met, customer service will accept the user's credit card cancellation application.

2． When canceling a credit card at a bank counter, the cardholder needs to go to the bank with their ID card and the canceled credit card to fill out a cancellation application form. First, the user may receive the card and then go through the corresponding credit card cancellation procedures one month later, but the user can also directly make an appointment to cancel the card on the same day.

Extended information:

Notes:

1. After canceling the credit card, confirm whether it is successful

When applying to cancel the card, usually There is a deadline for successfully canceling the card. This period is called the "Card Cancellation Period." During this period, in order to avoid bad debt problems, the bank allows cardholders to settle all their debts during this period. The "card cancellation period" is generally 45 days.

During the close card period, in addition to normal reimbursement, the canceled credit card cannot be used. If the canceled credit card still has debt, you have not closed the credit card within the repayment period, so it is calculated that you close the card. It can also lead to a blacklist on your credit report.

2． Destroy the magnetic strip after closing the card

After canceling the credit card, a large amount of personal information is still saved, and it may be stolen if you swipe the card accidentally. Therefore, after the pin card is completed, the magnetic strip must be cut and scraped.

How to cancel a Hua Xia Bank credit card? You should go directly to the counter over the phone

Hua Xia Credit Card can be canceled over the phone or at the counter.

1. Call Hua Xia Credit Card customer service hotline 4006695577 to cancel. After the call is connected, the customer service will ask about cancellation related matters. It mainly depends on whether your card is suitable for cancellation, whether there is a balance, whether there is any debt, etc. If the cancellation conditions are met, customer service will accept the user's application for credit card cancellation.

2. To cancel a credit card at the bank counter, the cardholder must bring his or her ID card and the credit card to be canceled to the bank to fill out a card cancellation application form. The card may be collected first and the corresponding card cancellation procedures will be done one month later. However, you can also directly make an appointment to cancel the account on the day of card cancellation.

Extended information:

Canceling a credit card that is well used and has no overdue records will have no impact on the individual's credit record when there is no balance or debt on the card.

However, if the cardholder has overdue credit records and left a bad credit record while using the card, or if there is an unpaid balance on the card when the card is canceled, , which will have an impact on personal credit records.

For credit cards that have left bad records, it is impossible to cancel the card and erase the bad records. The correct way is to continue to use the card normally and use new credit records to overwrite the old ones in the future. Bad credit history.