1. Bank counter modification. To make changes at the bank counter, you need to bring the cardholder's ID card and credit card, hand them to the counter staff, and then modify them with the help of the staff.
2. Log in to online banking or mobile banking to make changes. If the credit card has been opened for online banking or mobile banking, it will be relatively simple to modify it through online banking and mobile banking.
3. Modify through ATM machine. Select "Change Password" in the ATM machine and enter the original password and new password to change it successfully.
4. Call the bank’s customer service hotline to make changes. Call the customer service number of the bank to which the credit card belongs. After passing verification, you can complete the password change.
The safest way for credit card holders is to report the loss first and then cancel it, because the credit card regulations of many banks stipulate that the cardholder shall bear the losses caused after the credit card is lost and before the loss is reported, and the loss report takes effect. Any subsequent losses shall not be borne by the cardholder.
If the cardholder does not want to pay the loss reporting fee and wants to cancel the credit card directly, he should also pay attention to the following issues.
First, confirm whether the account will be closed after 46 days. Credit card cancellation is usually handled through telephone banking, but it is not possible to cancel the card successfully immediately through telephone banking. Cardholders generally need to call the bank promptly 46 days after canceling the card to confirm whether the account has been cancelled, to prevent the bank from successfully canceling the card due to some reasons and the cardholder thinking that the card cancellation was successful, causing unnecessary trouble in the future.
The second is to pay off all arrears in a timely manner. This arrears include not only account arrears, but also annual fees, etc. If you pay attention to the former and ignore the latter, the cardholder may still have outstanding balances on the card after the card is cancelled. So be sure to ask clearly when canceling your card, and you must not leave a penny of debt behind.
Third, the magnetic strip must be cut when deleting the card. If the card is complete, it may still be usable in some consumption places that only require the card number without verifying the information. The best way is to cut the magnetic strip into several pieces and throw them into different garbage dumps to prevent people with ulterior motives from stealing them.
Credit card cancellation generally refers to the cancellation of a single credit card. After cancellation, the credit card cannot be used, but personal information is still stored in the bank's system. If you regret it, you can also apply to the bank for a replacement card. No need Submitted materials again.
If the credit card account is canceled, all credit cards under the same bank name will be canceled and all information will be cleared. Whether you are canceling a credit card or canceling a credit card account, you must pay off the credit card balance before applying. You must do it no more and no less. You must also pay attention to whether the number of times you have swiped the card has reached the requirement for annual fee exemption to prevent yourself from spending some money again. You can log out after a few times of brushing.
Note: If the credit card in use has an overdue record within two years, it is recommended that you do not cancel the credit card, because the overdue record will be recorded in the credit report. If you want to delete this record, the best way is It means covering it up. Generally, credit cards will have nearly two years of records on the credit report. Only by insisting on using them can bad records be overwritten. This is something you need to pay attention to before canceling.