There are two ways: one is to call ICBC's customer service number 95588 and transfer your manual service according to the voice prompt; The second is to cancel the credit card at the designated business outlets of ICBC.
Tips:
Cancellation can only be made if there is no arrears.
After applying for account cancellation, it generally takes 45 days to take effect, and the points will be cleared after account cancellation.
If you do not meet the conditions of annual fee reduction, you will be charged an annual fee according to the number of months you use. It is recommended that you continue to use your card until you reach the annual fee reduction standard.
There is no overdue record. If the card is overdue, the personal credit report will generally show the repayment record of the credit card in the last 24 months. Even if the cardholder cancels the card, the overdue repayment record will be kept in the personal credit report for 5 years. If you want to cancel the overdue records related to the credit card, you should continue to use it for at least 24 months, and you must repay it on schedule after spending during this period, which will leave a good impression on the bank in your personal credit report that you have repaid it on schedule in the recent period. If the card is cancelled immediately, the credit history will be overdue forever, which will affect the application for loans in the future.
Extended data:
Some matters after account cancellation:
1. Please cut off the magnetic stripe and chip of the credit card and handle it properly after applying for cancellation. After cancellation, you can still log in to online banking, mobile banking and other channels to check the accounting information, and the original card can still receive repayment or refund.
2. If you want to resume using the credit card in the future, you can contact the customer service hotline to apply.
References:
Industrial and Commercial Bank of China
How to cancel the credit card (debit card) of ICBC? What are the precautions?
ICBC's credit card (debit card) does not need to be cancelled in advance, and it can be cancelled in the following two ways:
1, bank outlets
Bring my valid ID card and credit card (debit card) to any ICBC outlet and fill out a form at the counter to cancel the credit card (credit card);
2. Customer service telephone number
Cardholders can call ICBC's credit card (debit card) customer service telephone number 95588 or 400-669-5588, and cancel their credit cards (debit cards) after verifying their identities.
In addition, before canceling ICBC's credit card (debit card), make sure there is no deposit, debt, etc. Remember to cut off the magnetic stripe of the card after cancellation and before discarding it. If you have no other account in ICBC, you can also cancel your card and account together, and you can enjoy the courtesy of new customers in the future.
ICBC Credit Card Cancellation Process
If you really need to cancel your credit card, you can call ICBC customer service number 95588, transfer to manual service according to the voice prompt, or cancel your credit card at the designated business outlets of ICBC. Cancellation can only be made if there is no arrears.
Tips: If your card needs to pay an annual fee, it is recommended that you continue to use the card and cancel it after reaching the annual fee reduction standard.
Extended data:
Account cancellation refers to the abbreviation of canceling the bank account of the account opening unit. If it is necessary to cancel the bank account due to the cancellation, merger or relocation of the institution, the cancellation procedures shall be handled with the bank where the account is opened.
When the unit cancels the account, it must check the balance of the deposit (loan) account with the bank, and then settle the deposit (loan) balance with the relevant documents issued by the unit, and return all kinds of blank and important documents.
References:
China Industrial and Commercial Bank-Credit Card Account Cancellation Method
How to cancel ICBC's credit card
If it is really necessary to cancel the credit card, you can call the customer service hotline 95588 for manual service (unless otherwise specified), and the following conditions must be met: the account status must be normal, there is no authorized accumulation, installment accumulation, frozen amount and deposit interest, the account has no arrears, and the balance is zero (if there is deposit, it is recommended to transfer it out in advance or agree to give up the balance within the limit).
You can also take the original card and valid identity documents to the designated acceptance outlets of ICBC for reference.
Tips:
1. If the account status is abnormal or the card status is "frozen card", please bring your valid ID and card to the counter of the original card issuer to cancel the account; If the original card issuer is not open to the outside world, it is necessary to change the card issuer to the outlet designated by the original card issuer;
2. Cancel the only card or the last card in your name. If there is a balance of points, please exchange it in time before cancellation;
3. For the card with annual fee waiver standard, if it is recommended to charge an annual fee when canceling, it is recommended to cancel the card after reaching the annual fee waiver standard.
4. If the credit card is issued in the form of 1+ 1 (UnionPay card+international single identification card), you can cancel the card that is not the main account card (generally referred to as UnionPay card) or cancel both cards at the same time, but not only the international single identification card (foreign currency card).
(Answer time: April 2, 20221. In case of business changes, please refer to the actual situation. )
Call 95588 to cancel the credit card process.
ICBC's credit card activities are colorful, so I suggest you keep them. If you really need to cancel your credit card, you can call ICBC customer service number 95588, transfer to manual service according to the voice prompt, or cancel your credit card at the designated business outlets of ICBC.
Tips:
1. It can only be cancelled if there is no arrears;
2 do not meet the conditions of annual fee waiver, according to the number of months of use to collect annual fees. It is recommended that you continue to use your card and cancel your card after reaching the annual fee reduction standard.
Steps to apply for a credit card on the mobile app of China Industrial and Commercial Bank:
Open your mobile phone and click the China Industrial and Commercial Bank APP.
Go to the main page of China Industrial and Commercial Bank APP and click on the credit card.
Then click the application card.
Select the card, and then click Apply Now on the right.
Enter a new page, select and click Apply Now on the right again.
After filling in the information, click Next, and then follow the prompts.
The types of ICBC credit cards are usually divided into different categories according to different brands, different objects and different grades. Let's take a concrete look at the types of ICBC credit cards. 1. ICBC credit cards are divided into: Peony Visa Card, Peony MasterCard and Peony American Express Card by brand; 2. According to the credit rating of ICBC credit cards, they are divided into platinum cards, gold cards and ordinary cards; 3. According to the issuing object of ICBC credit card, it is divided into business card and personal card, in which personal card is divided into main card and auxiliary card. 4. According to the currency of ICBC credit card account, it can be divided into RMB card, dual-currency card and multi-currency card.
Credit card limit of ICBC The credit card limit of any credit card is graded by the bank on the applicant's application conditions, application materials and credit records, and a certain limit is given to the applicant according to the corresponding score. Generally speaking, the credit card limit is 3000~ 10000, the gold card limit is 10000~50000, and the platinum card limit is more than 50000. How much you can get in the application depends on your comprehensive strength.
What are the advantages of ICBC credit card?
1: All local banks of ICBC Credit Card are exempt from handling fees; superiority
2. ICBC has many outlets, and the card types meet the needs of all kinds of people; superiority
3. There are three options for consumer passwords: no password is required for all transactions; All transactions require a password; Over-limit transactions require password advantage.
4. ICBC credit cards are all charged according to the natural month, which is convenient to remember.
5. ICBC has a wide range of credit cards, including quasi-credit cards, RMB credit cards and dual-currency credit cards (US dollars, euros and HKD); VISA, MASTER, AE and UnionPay standard cards are available.
How to cancel the industrial and commercial bank card?
Cancellation of savings card: If your name is not a bank card, please log in to online banking and select the "Full Bank Card" function. Account-small account cancellation "to cancel the account of the savings card with the balance below 300 yuan.
If there is no outstanding personal comprehensive loan agreement in the card, you can also bring your valid ID card and savings card (if you have a matching passbook, please bring it with you) to cancel the card at any business outlet in the country, and you can't do it on your behalf. Inactive debit cards (including co-branded cards) must be activated before they can be cancelled.
Credit card account cancellation: You can call the customer service hotline 95588 for manual service (unless otherwise specified), and the account cancellation must meet the following conditions: the account status must be normal, and there is no authorization to accumulate, accumulate in installments, freeze the amount and deposit interest, the account has no arrears, and the balance is zero (if there is any deposit, it is recommended to transfer it out in advance or give up the balance within the specified limit).
You can also take the original card and valid identity documents to the designated acceptance outlets of ICBC for reference.
(Answer time: April 2022 12. In case of business changes, please refer to the actual situation. )
This is the end of the introduction of canceling industrial and commercial credit card telephones and industrial and commercial bank cards. I wonder if you found the information you need from it?