How to deactivate a credit card

You can do it over the phone or go to the business hall to deactivate it.

Canceling a bank credit card by phone:

(1) Users who meet the conditions for cancellation by phone can apply to the bank to cancel their credit by calling the phone.

(2) After receiving the call, the bank will accept the user's application for canceling the credit card, and after deducting the annual fees payable for all cards under the account, the account balance will be zero or the customer has explicitly given up the remaining deposits in the account. .

1. Things to note when canceling a credit card over the phone:

(1) The main card holder must apply for cancellation of the card, while the supplementary card can be canceled by the main card holder. An application for card cancellation can also be made by the supplementary cardholder.

(2) If there is a secondary card attached to the account, after the user cancels the credit card, the secondary card will also be cancelled.

(3) When applying for a credit card, users who have paid a deposit should first go to the card issuer's outlet to release the pledge, and then cancel the credit card.

(4) If the user makes a deposit transaction within 30 days from account cancellation to official account cancellation settlement, the user needs to bring the ID card used when applying for the card to the card-issuing business outlet to complete the account cancellation settlement procedures.

(5) After the credit card is successfully canceled, the user needs to destroy the unused credit card by himself. The destruction methods include: cutting corners, drilling holes and other methods that can damage the magnetic stripe.

2. Credit card:

Credit card is also called a credit card. It is a non-cash transaction payment method and a simple credit service. It is issued by the bank to individuals and organizations, and can be used to shop, consume, and deposit and withdraw cash from the bank. It is in the form of a card with the name of the issuing bank, validity period, number, cardholder name, etc. printed on the front and a magnetic card on the back. strip, signature strip. Credit cards are issued to cardholders by banks or credit card companies based on the user's creditworthiness and financial resources. Cardholders do not need to pay cash when using the credit card, and repayment will be made on the bill date.

On April 15, 2016, the central bank issued the "Notice of the People's Bank of China on Matters Related to Credit Card Business", canceling late payment fees on credit cards, introducing liquidated damages, and prohibiting over-limit fees. The new regulations were implemented in January 2017 It will be officially implemented on the 1st.

Credit card is a non-cash payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. They are issued to cardholders by banks or credit card companies based on the user's creditworthiness and financial resources.

Cardholders do not need to pay cash when making purchases with their credit cards, and will repay the payment on the settlement date. Except for some credit cards combined with debit cards, general credit cards are different from debit cards and ATM cards in that credit cards will not directly deduct funds from the user's account.

How to suspend the use of a credit card

1. Suspended situation 1: The bank suspects that the credit card has abnormal consumption transactions and may be attacked by hackers or other criminals. For the sake of the cardholder's safety, Safe, the bank has frozen the credit card.

2. Suspended situation 2: The credit card has been overdue for more than three months, and the issuing bank has the right to unilaterally suspend the credit card.

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

According to different card issuers, they can be divided into bank cards and non-bank cards

Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

Non-bank card.

This type of card can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., and are used for purchasing tickets, meals, accommodation, entertainment, etc.

According to the different objects of issuance, it can be divided into corporate cards and personal cards

Corporate cards.

Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, national party and government agencies, military units, groups and other legal entities.

Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income. A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.

According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards

Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.

Gold Card.

Gold card is a high-end credit card that pays high membership fees and enjoys special benefits. Cards are issued to those with higher credit standing, stronger repayment ability and credit, or those with a certain social status. The authorization limit of the gold card starts from a higher level, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.

How to deactivate a credit card?

If you want to deactivate a credit card, you can bring your ID and credit card to the card-issuing bank to apply for the credit card cancellation business process, or call Go through the credit card center of the card-issuing bank to apply for the credit card account cancellation business process. The account cancellation method for electronic credit cards is the same as the account cancellation method for physical credit cards. Users can cancel the account by applying for the supplementary card under their name. Credit cards will not be canceled on their own. If they need to cancel a credit card that is in application or a credit card that has been issued, the user can call the credit card hotline to receive manual service processing. The above is related to how to deactivate a credit card.

Credit card introduction

A credit card is a credit certificate issued by a commercial service bank or a credit card company to customers who meet personal credit standards. The method is a credit card with the name of the issuing bank, expiry date, number, user name and other contents printed on the front, and a magnetic stripe card and signature strip on the reverse. Customers with credit cards can go to specially invited commercial units to buy things or consume, and then the bank will settle the accounts with the merchants and users, and users can make overdrafts within the required amount. Credit card consumption is a method of easy payment. There is no need to pay in cash when consumption, and the loan will be repaid on the credit card bill date. This article mainly writes about the relevant knowledge points on how to deactivate credit cards. The content is for reference only.

How to stop a credit card

Question 1: How to stop a credit card? Hello, if you don’t owe money on your credit card, you only need to call the phone number on the back of the card and the station will cancel the card with a China Construction Bank credit card.

Question 2: How to stop the Bank of Communications credit card? To cancel the Bank of Communications credit card, you must first call the Bank of Communications credit card phone number, and then transfer to manual service to submit an application for cancellation of the Bank of Communications credit card to the telephone customer service staff. The customer service staff will verify it. Once the customer's identity is confirmed, the cancellation procedure can be completed. All processes can be completed over the phone without going to a Bank of Communications branch.

It should be noted that the principal cardholder of the Bank of Communications credit card can cancel the card for the supplementary cardholder. If the supplementary cardholder proposes to cancel the card, the principal cardholder can continue to use the Pacific Card. If the principal cardholder proposes to cancel the card, the supplementary cardholder must cancel the card at the same time.

For some customers who have not activated the Bank of Communications credit card, it is best to cancel it in time if not using it to avoid being charged annual fees for the unactivated Bank of Communications credit card. Moreover, cancellation of the Bank of Communications credit card is completely free of charge.

Question 3: How to deactivate a credit card? Call customer service and explain the situation to her. Usually she will persuade you for a while and then you insist on refunding it. If you don’t owe money on the card , automatically canceled after 45 days

Question 4: How to deactivate the China Merchants Credit Card by canceling the card.

Call the bank's credit card center to inquire about cancellation;

Use the phone to cancel the credit card;

Cancel the credit card at the bank counter:

< p>①Prepare your ID card;

②Pay off the debt;

③Go to the bank counter and handle the cancellation business.

Note: If you need to use your credit card after canceling it, you can apply again.

Question 5: How to cancel a China Merchants Bank credit card? Can it be done online? Not to be seen.

You need to call the credit card center to talk about it.

8008205555/4008205555

Question 6: China Merchants Bank credit card has been stopped, how can I re-open it? If it is not overdue and I have paid off the card, there is no problem in opening the card. It’s a bit difficult, even if the credit limit is very low

Question 7: How to suspend the use of a credit card. Credit cards cannot be suspended. If you don’t want to use them, you can only cancel them.

Bank credit card cancellation process.

The cancellation of bank credit cards must be done through the customer service phone number. First, call the Agricultural Bank of China credit card phone number, transfer to manual service, and explain to the customer service representative that you need to cancel the bank credit card. The customer service representative will register it for you within five working days. The staff of the credit card center will contact you by phone to confirm the cancellation of the credit card. At this time, the staff of the bank's credit card center will try to retain you by waiving the annual fee, giving you points, etc. You can evaluate whether you are sure to cancel the credit card.

After confirming that the bank credit card must be canceled, the staff will register the official cancellation. 45 days after the formal cancellation, go to any branch in the province where the credit card account is opened to withdraw the overpayment (it is not possible in the arrears state) (If you go through the cancellation procedure), the entire bank credit card cancellation procedure is completed.

Note: If you do not plan to continue using your bank credit card after its validity expires, you must cancel it as soon as possible. To avoid creating bad records and affecting your future loans.

Question 8: How to deactivate an ICBC credit card? Your 50 yuan should be the annual fee. You have to pay it back before you can cancel it. Remember it in the future. Don’t activate the card you don’t use. There is no charge for activation. For annual fees, you can generally waive the annual fee if you swipe 6 times with no limit on the amount. I think you may have more than 50 yuan now. Interest will probably accrue. Call customer service (there is a phone number on the back of the card) to find out how much the difference is, and you can pay it off. I applied for cancellation.

Question 9: How to restore a deactivated credit card. Generally speaking, there are two reasons why a credit card is deactivated and how to restore it:

One is that the bank thinks that the credit card is not valid If the transaction is abnormal and may be attacked by hackers or other criminals, for the safety of the cardholder, the bank will freeze the credit card, which will cause the credit card to be deactivated. In this case, the cardholder can call the card issuer The bank requires the bank to reissue a credit card. After getting the new card, it can be opened and used directly, and the original credit card can be cut off.

Another reason why a credit card is deactivated is that if the cardholder fails to repay on time for more than three consecutive months, the issuing bank has the right to unilaterally deactivate the credit card. In this case, even if the credit card If the cardholder's bill is deactivated, there will still be late payment fees and interest, which will continue to increase. If the amount reaches the bank's regulations, the bank will allow the cardholder to use it. If the amount is larger, the cardholder will also face penalties, so when the credit card is suspended After using it, the cardholder is best to repay the credit card debt in full. At the same time, in order to avoid the blacklist of the credit record, it is best to reactivate the credit card, repay it on schedule, and use the continuous period to offset the original bad credit record, otherwise Cardholders are not only unable to apply for other credit cards, but also cannot apply for mortgage loans and other financial loans.

Question 10: How to stop someone else’s credit card. Unless you know the cardholder’s name, ID number, phone banking password, and consumption password, if you know all of the above, you can call customer service to report the loss

How to cancel a credit card

1. Cancellation through telephone banking: General credit cards can be canceled through telephone banking.

2. Log out at the bank counter: Bring your documents, such as ID card and credit card, and remember to avoid the peak hours of the bank to avoid queuing for too long and delaying your normal work and life.

3. Cancellation at the designated bank business hall: Since there are still differences in the regulations of various banks on credit cards, and there are many types of credit cards, some banks will have certain restrictions on the cancellation of certain credit cards. Clear regulations. Therefore, if you are not sure where to cancel your credit card, please call the official customer service for consultation in time.

4. The conditions for credit card cancellation must be met. Under normal circumstances, if your credit card debt has not been paid off, or the annual fee has not been paid, or there is a balance, you cannot cancel it.

5. After the credit card is successfully canceled, cut and scratch the magnetic strip yourself to avoid being misappropriated.

6. Under normal circumstances, it will take 45 days for a bank credit card cancellation application to officially take effect.

According to Article 7 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks": A credit card refers to a credit card that records cardholder account information, has bank credit lines and overdraft functions, and provides cardholders with relevant banking services. All types of media.

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).

On May 25, 2021, the Supreme People’s Court issued and implemented the “Regulations of the Supreme People’s Court on Several Issues Concerning the Trial of Bank Card Civil Cases.”

How to deactivate a credit card on your mobile phone?

Call the customer service number of the credit card center and follow the voice prompts. It should be noted here that some banks do not support credit cancellation over the counter.

There is a 24-hour customer service phone number on the back of the credit card. You can dial the number to cancel. Follow the phone prompts to find a manual service and explain the situation. The customer service staff will help handle it, but they will not cancel it immediately. It takes several on working days.

You can also go to the bank of the credit card to cancel it at the counter. It does not have to be the bank where the account is opened. For example, for a Bank of Communications credit card, you can go to any Bank of Communications to cancel it. But the premise is that you must ensure that the credit card has no outstanding balance before you can cancel it. And it must be in person.

Extended information:

If the credit card is no longer used due to personal reasons, it is recommended to cancel it immediately after paying off the balance. The following situations can be applied:

< p>1. For credit cards that have not yet been opened, you must cancel the card even if you do not plan to activate it. Otherwise, you will still be charged an annual fee every year. It is recommended to cancel the credit card within one month after the card is issued, and no more than 12 months at the latest. What needs to be reminded here is that bank counters do not provide credit card account cancellation services. Most banks require cardholders to call the bank’s credit card center customer service to apply for credit card cancellation over the phone. There is the corresponding customer service phone number of the credit card center on the back of the credit card.

2. For credit cards that have been used normally, the balance must be paid off before the bank can cancel the credit card account. After the bank agrees and registers the account cancellation, the credit card will enter a 6-month freezing period (also called the risk period, the specific time may vary from bank to bank, generally between 45 days and 6 months). During the freezing period, if the If no new debts are incurred on the card, the card will be officially canceled successfully after the freezing period.

3. After successfully canceling the card, it is best to cut off the magnetic card of the credit card yourself. In addition to the situation where the credit card has a debt and cannot be cancelled, there are also people who deposit more money than the debt when repaying. , resulting in a balance on the credit card, and it is impossible to apply for card cancellation. It is recommended that the balance be consumed.

That’s it for the introduction of how to suspend a credit card.