You don’t have to go to the bank to cancel your credit card. You can cancel by just calling customer service, it’s easy. You don't need a password to cancel a bank card. You just need to remember the ID number, phone number, and contact name when you opened the account. The bank will use these to determine whether the card belongs to the applicant. If the credit card is no longer in use, you need to close it to avoid annual fees.

Notes

1. Confirm whether to cancel the account after 46 days

Credit card cancellation is usually handled through telephone banking, but telephone banking does not mean that the card can be canceled immediately. success. 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.

2. 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, then the cardholder may still have a balance in the card after canceling the card. Therefore, you must ask clearly when canceling the card, and you must not leave a penny of debt.

3. Cut the magnetic strip when canceling the card

If the card is intact, 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.

4. Do you have to go to the bank where you opened your credit card to cancel your credit card?

Each bank has different regulations. Some banks can cancel credit cards at their branches, but some banks may require you to go to the bank where you opened your account. The best way is to call the card-issuing bank's service hotline to consult with customer service.

As long as there is no overdraft on the card, you can apply for account cancellation at any time. If your card has not expired, you need to apply first and then go to the bank to cancel the account after a certain period of time. If the card has expired and the account balance is zero, you can go directly to the designated bank outlet to cancel the account.

Card cancellation procedure

When canceling an account, you should bring the original valid ID and card. If it is inconvenient for you to handle the account cancellation procedure, someone else can do it for you. The agent must hold a power of attorney written by the principal (in person) and bring the original valid identity document to handle the account cancellation business.

If your card has not expired when canceling a credit card account, some banks stipulate that you need to go to a designated outlet to handle the card collection business, and then go through the formal account cancellation procedures after a certain period of time (up to 30 days) . This is mainly because if the cardholder has made a manual card pressing transaction before canceling the account, the cardholder will have canceled the account before the merchant has submitted the card pressing form to the bank for entry into the account, and the bank will not be able to clear the account normally. ; On the other hand, if the cardholder spends money or withdraws cash overseas, it may take a few days to settle the account. If the account is closed immediately, it will also affect the bank's normal liquidation.