The specific process of canceling a card over the phone is as follows:

1. Call the bank’s credit card center and ask about cancellation related matters. It mainly depends on whether your card is suitable for cancellation, whether there is a balance, etc.

2. Use the phone to cancel the credit card. After the bank receives the call, it will accept the user's application for canceling the credit card and deduct the annual fees receivable for all cards under the account. The account balance is zero or the customer has made it clear Indicates giving up the remaining balance in the account.

3. Go to the bank counter to formally cancel the credit card. 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.

Notes

Credit card cancellation is divided into card cancellation and account cancellation. It is recommended to cancel the account after canceling the card, otherwise there may be some problems in applying for a credit card again; If the points have not been used up, it is recommended to redeem them all before canceling the card; after submitting the credit card cancellation application and before it is officially effective, the cardholder should not use the credit card again, otherwise the card cancellation application will be automatically revoked; after formal cancellation, cut along the credit card's magnetic stripe Throw it away to prevent it from being stolen.

Reference for the above content: Baidu Encyclopedia-Cancellation