How to check whether the credit card has been canceled successfully? How to deal with failed cancellation

Credit card cancellation does not take effect immediately. There is usually a 45-day waiting period. If the credit card owes money or has a balance during this period, the cancellation will not be successful. So, how to check whether the credit card cancellation is successful? What should I do if the logout is not successful? Let’s find out together below.

1. How to check whether the credit card has been canceled successfully?

You need to wait 45 days for credit card cancellation. You can check the cancellation status on the 46th day from the application for cancellation. There are many query methods, including but not limited to telephone query, counter query, etc. The details are as follows: < /p>

1. Telephone inquiry: Use the reserved mobile phone number to call the card issuer’s 24-hour service hotline and be transferred to manual customer service. The customer service will verify your identity and check with you.

2. Check at the counter: Bring your valid ID card and credit card to the nearby card issuing bank branch to check the current card status to see if it has been canceled successfully.

3. People's Bank of China credit report inquiry: Credit card account opening and cancellation will be recorded on the credit report. You can check the credit report on the official website of the People's Bank of China, and then find the credit card to be canceled on the credit report. If the card is displayed as canceled, it means the cancellation has been successful.

2. What should I do if the credit card is not canceled successfully?

There are only two reasons why the credit card cannot be canceled successfully. One is that there is a debt during the cancellation period, and the other is that there is a balance in the card during the cancellation period. Find the reason and take the right medicine.

1. There is a debt: In this case, you must pay off the debt and then apply for cancellation again;

2. There is a balance: consume the excess money in the card. Or you can withdraw cash from an ATM and apply for cancellation again.

The above is the relevant introduction to "How to check whether a credit card has been canceled successfully". I hope it will be helpful to everyone.

How to check whether a credit card has been canceled

There are many ways to check whether a credit card has been canceled. Manually check the issuer's customer service phone number. The customer service number is listed on the credit card. You will know whether the card has been canceled after you make a call and follow the voice prompts for manual service. If you need to inquire at the counter, please bring your business card and ID card to the counter of a nearby outlet.

1. For online banking inquiries, log in to your account, inquire about related services, or prompt an invalid card.

2. Inquire through the personal credit report, log in to the personal credit system website, select the personal credit report on the page after logging in, and then enter the mobile phone verification code to submit. Under normal circumstances, after the credit report is processed the next day, the authentication code of the extracted report will be sent to the bound mobile phone. Re-enter the system the next day and enter the verification code. At this point, you can see your personal credit report. Canceled credit cards will appear on your credit report. What's not written is that it hasn't been cancelled. Generally speaking, it will take at least 50 days after you apply to cancel your credit card to be found in the system.

3. You can also go directly to the bank branch to check, or call the bank's customer service number to check whether the credit card has been canceled successfully. Call the bank's credit card center to inquire about cancellation, mainly to see if your card is suitable for cancellation, whether there is a balance, etc.; cancel the credit card over the phone. After receiving the call, the bank will accept the user's credit card cancellation application and deduct the annual fees receivable from all cards under his account. The account balance is zero or the customer has explicitly given up the account balance. Go to the bank counter to officially cancel your credit card.

1. Cardholders must bring their ID card and the credit card to be canceled to the bank to fill out the "Card Cancellation Application Form". You can receive the card first and then go through the corresponding cancellation procedures one month later, or you can make an appointment to cancel the card on the same day. After canceling a credit card, you can't activate it unless you do it yourself. Credit card cancellation will take effect one month or 45 days after registration. If the user needs the card within 3 months, he can reactivate it.

2. The cancellation methods of bank credit cards are as follows: Cancellation by telephone banking: All credit cards can be canceled through telephone banking. Only when the credit card can be canceled by phone, you can call the corresponding bank customer and enter the information according to the prompts to cancel. Cancellation at the bank counter: Bring your ID card and credit card to the corresponding bank business hall; get the reservation number from the bank and queue up; fill in the business application form and fill in "Credit Card Cancellation" in the business column; after making the call, submit the application form, credit card, Give the ID card to the bank staff; sign for confirmation and the credit card account will be closed.

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How to check whether a credit card has been canceled

Issuing bank Manual inquiry via customer service phone number. There is a customer service phone number on the credit card. After dialing the number, you will know whether the card has been canceled by following the voice prompts for manual service.

To check at the counter, bring your card and ID card to the counter of a nearby outlet to check, and you will be able to find out.

WeChat public account query. If you have a WeChat public account bound to the card issuer, you will get an invalid card prompt or a prompt that there is no such card when querying any service.

When checking online banking, logging in to the account, no relevant business can be found, or an invalid card prompt appears.

Whether suspending or canceling a credit card will affect your credit record:

As for the use regulations, if a credit card has no overdue record and there is no balance or debt on the card, the card will be cancelled. There is no impact on your personal credit history. However, if the cardholder has an overdue bad credit record while using the card, or if there is an unpaid balance on the card when the card is canceled, it will have an impact on the personal credit record. For credit cards that already have bad records, it is impossible to cancel the card to remove the bad records. The correct approach is: continue to use the card, maintain a good repayment record, and cover the old bad credit record with a new good credit record in the future.

Are there any risks if you only cancel the card but not the account?

In order to avoid unnecessary trouble, it is best to cancel the account when canceling the card. In addition, if you only cancel the card but not the account, you will be an old account in this bank, not a new account. Even if you apply again, you will not get the discount for new users.

Do you need to cancel an unactivated credit card?

Generally speaking, if a credit card is not activated, there will be no annual fee, but there are some high-end cards and credit cards with special materials, such as high-limit platinum cards. As long as the credit card is issued, there will be an annual fee even if it is not activated. In addition, as long as the card is issued, regardless of whether it is activated or not, it will be reflected on your credit report and occupy your total credit limit. Once there is a record of overdue repayment, it will affect your personal credit report. Therefore, unactivated credit cards should be canceled in time if they are not used. When we apply for a card, we must think clearly whether we need this card.

Will everything be fine after canceling the credit card?

After canceling the credit card, be sure to cut the invalid credit card along the magnetic strip to prevent the credit card from being stolen. In addition, if the credit card has been lost and you want to cancel it, to ensure safety, it is best to apply for a loss report first and then cancel it.

Do not use the credit card to be closed during the "clearance period". Some banks will need to wait for a "clearance period" of about 45 days when customers cancel their accounts to ensure that there are no delayed transactions on the card before canceling it. During this "clearance period", cardholders must be careful not to use their credit cards for any transactions, otherwise the card cancellation will fail. After the "clearance period" has passed, the bank will automatically cancel the credit card for you. To be on the safe side, you can also call the bank for confirmation.

How to check whether the credit card has been successfully canceled

The ways to determine whether the credit card has been successfully canceled are:

1. Call the bank customer service number to confirm. After applying for account cancellation, you should pay attention to whether there is any unpaid balance within 45 days. If so, pay it back in time, and then call the bank customer service phone again to ask whether the cancellation has been successful.

2. Ask the bank to send a cancellation fax or mail a cancellation certificate.

With credit cards, young people can buy a variety of goods according to their needs. Over time, these credit card holders will lead to excessive consumption. After the credit card is overdrawn, the credit card holder will People need to pay back a lot of expenses. In order to relieve their financial pressure, they will choose to cancel their credit cards after paying off all outstanding debts. The specific process of canceling a card over the phone is as follows:

1. Take out your credit card, then call the hotline on the back, call the bank’s credit card center, and ask about cancellation related matters. It mainly depends on whether your card is suitable for cancellation. There is a balance, etc.;

2. Use the phone to cancel the credit card. After receiving the call, the bank 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 will be is zero or the customer explicitly gives up the remaining deposit 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.

As a friendly reminder, 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 there are still points in the credit card to be canceled that have not been used up, It is recommended to redeem all the cards 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, otherwise the card cancellation application will be automatically revoked; after official cancellation, cut along the credit card's magnetic strip and discard it to prevent theft. brush.

How to check whether your credit card has been cancelled?

There are two different categories of credit card cancellation. One is single card cancellation, which means canceling a certain card in the name of the cardholder. Cancel; the other is to cancel the whole account, that is, the entire account of the cardholder will be canceled, and all the credit cards under his name will naturally be cancelled.

After applying for credit card cancellation, the bank will not cancel your card immediately. Instead, it will take 45 days to review whether there are any outstanding bills or charges in your credit card. Fees that have not yet been paid, and whether there is any excess money.

If after review, the bank finds that there are no unbilled bills or unpaid fees, or excess funds in your card, the bank will officially cancel your card after 45 days. card. Therefore, if you want to check whether your credit card has been canceled, you need to check again 45 days after submitting the cancellation application.

Just call the bank’s customer service number and confirm with the customer service staff. Or you can ask the bank to send a cancellation fax or mail a cancellation certificate. Of course, you can also log in to the official website of the Credit Information Center of the People's Bank of China and check whether the card has been successfully canceled by checking the personal credit report.

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And everyone also needs to pay attention, if the bank finds that there are still unpaid fees in your card during the review process If there is any excess money, etc., you must repay it first or withdraw the excess money as soon as possible, and then you can cancel the card.

1. What will happen if you fail to repay the loan overdue? What are the consequences?

Whether it is a bank loan or an online loan, when the borrower is overdue, the lending institution will charge the borrower overdue fees. Usually the overdue fee rate is much higher than the normal loan interest rate. In addition, overdue fees will also be charged. If you have a bad credit record, you will be collected by the lending institution, and you may even be charged by the lending institution for overdue repayment. Therefore, after applying for credit business, you must pay attention to fulfilling your repayment obligations on time.

With the development of the times, everyone’s consumption concepts are also changing. More and more people are accustomed to overdraft consumption in advance, and credit cards are an overdraft consumption tool used by many friends, and even There are also some people who borrow credit loans to meet their consumption needs. More and more people are using credit products at will, and overdue payments are becoming more and more common. What will happen if you do not repay overdue payments? What are the consequences?

2. 1. The card issuing bank charges compound interest and imposes late payment penalties. If a card holder fails to repay the loan after the due date, it will inevitably increase his financial burden.

A valid credit card contract relationship has been established between the bank and the user. The user's failure to repay the credit card overdraft has constituted a breach of contract and shall bear civil liability in accordance with the provisions of the contract. According to the contract, citizens who lose the lawsuit must not only pay the principal and interest of their credit card arrears, but also pay interest, late fees and other fees. If the monetary payment obligation is not performed within the time limit specified in the judgment, the interest on the debt during the period of delayed performance must also be doubled according to regulations.

2. If you leave a "credit stain" on the central bank's credit record, you will be collectively rejected by the banking industry when handling other credit businesses.

3. Cardholders will receive continuous collection notices from the card issuer or its agency, and may be sued in court or even face jail time.

According to the "Criminal Law" of the People's Republic of China and the relevant judicial interpretations, a credit card holder exceeds the prescribed limit or overdrafts within the prescribed period for the purpose of illegal possession, and after two collections by the card-issuing bank, Failure to repay for more than 3 months is a malicious overdraft behavior and may constitute a credit card crime - if you still fail to perform relevant obligations after the bank's reminder notice arrives, then once a lawsuit is filed, you will not only have to pay a huge fine, but also Faced with the possibility of losing freedom and reputation.

This is the end of the introduction on how to check whether a credit card has been canceled.