How to cancel an ICBC credit card?

How to cancel an ICBC credit card? Let’s talk about this topic with you.

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First of all, what I want to say is that if you have a debt on your credit card, it cannot be canceled. You must put all your debts or bind them. All financial services have been cancelled.

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Then you can call the customer service number of ICBC and log out over the phone. According to the phone prompts, the process can be completed quickly.

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In addition, you can also go directly to the bank counter to apply directly, bring your ID card, and apply directly.

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However, whether you handle it over the phone or directly at the counter, you must destroy the card. You can also give the card directly to the bank staff and let them help destroy it, otherwise the information will be easily leaked. .

ICBC credit card cancellation process

1. Call the ICBC customer service hotline 95588, it will cost you local phone charges, and the whole process takes about 4 minutes.

2. For manual service, enter your own ID and press #, enter your password and press #.

3. During manual calls, if the balance is small, you can skip it. If the balance is large, you can transfer it to the designated bank card.

4. Confirm once and press 1 twice to log out. Note that online banking is still there, so it is best to remove the bound Alipay.

Users can bring their ICBC credit cards to the offline counter, and then submit the cancellation information to handle the cancellation business. Cardholders can also directly dial the phone number of the card-issuing bank and go to the manual to directly ask the manual to help them handle the cancellation business. After canceling the card, the user must call the bank's customer service 45 days later to confirm the final result of canceling the card.

No matter which method the user uses, they need to first check whether there is any outstanding balance on the credit card. If it is overdue, you need to pay it off immediately. After paying it off, you can bring your ID card and credit card to the bank counter to fill out the card cancellation application form, and handle cancellation and card cutting.

Cancellation is the cancellation of a single credit card under an individual’s name. If you apply for a credit card from the same bank next time, you will be able to enjoy the rights of a new user after cancellation. If the user does not cancel, he will not be able to Enjoy the rights and interests.

It is very simple for a user to cancel a credit card. The user can directly check the bill of the card he wants to cancel and make sure that all the money has been paid off. Then call ICBC customer service and cancel the card directly. After completing the cancellation business, users can unbind the payment and deduction agreements of each payment platform, and cut and destroy the card at the same time.

How to cancel an ICBC credit card

Canceling the card by phone: Call the customer service hotspot on the credit card. After being connected, follow the prompts to transfer to manual service. Then indicate your intention to cancel the card and follow the bank's instructions. Follow the staff's prompts to operate and check the information. After confirming that it is correct, just wait for the card to be canceled.

Cancellation at an outlet: Cardholders bring their ID cards and the credit card to be canceled to an ICBC branch (any branch is acceptable) and apply for cancellation of the industrial and commercial credit card.

Before canceling the card, please note: pay off all outstanding balances 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.

Cut the magnetic strip when canceling the card. If the card is complete, it may still be usable in some consumption places that only require information without verifying it. 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.

Cancellation of the main card must be applied for by the main cardholder himself. The application for cancellation of the supplementary card can be made by the main cardholder or by the supplementary cardholder himself. Supplementary card applicants cannot cancel the primary card.

How to cancel an ICBC credit card?

①. If the cardholder is an ICBC RMB credit card or quasi-credit card, you only need to go to a nearby ICBC branch with your ID card and identity card to apply. Cancellation procedures. Cancellation at ICBC business outlets: ICBC credit card cancellation issues need to be handled according to the type of card held by the cardholder, because the cancellation methods for ICBC international cards and RMB credit cards/quasi-credit cards are different.

②. Cardholders holding ICBC international cards, including Visa, Master, AE and other brands, please bring your ID card and card to the First Branch of the Industrial and Commercial Bank of China (i.e. XX Area Industrial and Commercial Bank of China) Bank Card Department) to handle the cancellation procedures.

③. If you hold a Peony credit card or Peony international debit card, you can cancel it by calling the ICBC credit card customer service hotline directly.

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①. Things to note when canceling an ICBC credit card are as follows: a. Cancellation of the membership card must be handled by the cardholder himself. The application to cancel the supplementary card can be made by the main card holder or the supplementary card holder himself. The second card applicant is not allowed to cancel the original card. b. If your account has a second card attached, the second card will be canceled after you close your account. c. If you have already paid the pledge when applying for the card, please go to the card issuer to cancel the pledge before closing the account. d. After closing the credit card (account), please destroy the old card by taking shortcuts, punching holes, destroying the magnetic strip, etc. e. After you apply to cancel your credit card account through telephone banking, if you make a formal cancellation within 30 days from the date of the deposit transaction, you should go to a commercial outlet where the card is issued to close the account with your valid ID card.

②. ICBC credit card is the credit card with the highest circulation in China. At present, the main types of ICBC credit cards include: Peony International Credit Card, Peony Credit Card, and Peony Credit Card. According to the brand of ICBC credit card, it is divided into: Peony Visa Card, Peony MasterCard and Peony Express Card; according to the credit level, it is divided into: platinum card, gold card and ordinary card; according to the issuing object, it is divided into business card and personal card, among which personal card Cards are divided into main cards and secondary cards.

③. The Peony quasi-credit card is issued by the Industrial and Commercial Bank of China. Cardholders are required to deposit a certain amount of reserve fund. When the reserve account balance is insufficient for payment, they can be overdrafted within the prescribed credit limit. Quasi-credit card.

ICBC credit card cancellation methods

ICBC credit card cancellation methods generally include bank counter cancellation and telephone cancellation. If you want to cancel through a bank counter, you can go directly to an ICBC branch with your ID card and credit card to cancel; if you want to cancel by phone, you can directly call the ICBC credit card service hotline and transfer to a manual. The customer service staff will verify the relevant information and submit the cancellation application.

Before you apply to cancel an ICBC credit card, you must pay off the outstanding balance. You must not pay a penny more or a penny less. Pay attention to whether you have paid the annual fee. After all, many high-end cards will make a payment when canceling. Pay the annual fee, and also deal with the points in the credit card. These points can be exchanged for things you like in the points mall, but some require additional money.

If the ICBC credit card you are using is about to expire and you no longer want to use it, pay off all the outstanding balances at this time to ensure that no annual fees will be incurred. Do not use the credit card again as long as the validity period expires. The credit card will become invalid, so you don't need to cancel it yourself. However, before the credit card expires, the bank customer service will usually contact you and ask for a new card. At this time, you only need to refuse.

Canceling a credit card can be divided into card cancellation and account cancellation. If you just cancel the card, if you still want to use the ICBC credit card later, you can apply again without submitting any materials, and the speed of card cancellation will be faster. Relatively fast; if you apply for an ICBC credit card account cancellation, you must resubmit the materials if you want to apply for an ICBC credit card again later, and the bank needs to re-examine before you can issue the card. The limit is determined based on your personal qualifications.

After submitting the cancellation application, the credit card cannot be used. If the card is swiped again, the cancellation will fail. You can call the ICBC credit card customer service hotline 45 days after submitting the application to confirm whether the credit card has been canceled successfully. The credit card can be cut after successful cancellation. Do not throw away the uncut credit card.

That’s it for the introduction on how to cancel ICBC credit card.