How to cancel a CCB credit card account

1. Cancellation by phone: Call the official CCB credit card customer service hotline directly. After transferring to manual service, submit an application for credit card cancellation to the customer service and explain to the customer service how to cancel the credit card. The reason is that the customer service can cancel the card after completing the identity verification.

2. Cancellation at the counter: Bring your personal identity document and credit card directly to the counter of a China Construction Bank branch to handle the cancellation procedure for your credit card.

It should be noted that when canceling a credit card, it cannot be canceled if there is arrears. In addition, after canceling the credit card at the bank, there is a 45-day waiting period. During this period, the user cannot use the credit card for consumption, but can repay the loan. Once a new bill is generated, the credit card cannot be canceled successfully.

Extended information:

Credit card application:

If customers want to apply for a credit card, they can directly bring their personal ID and proof of income (such as bank statements, pay slips ) and other relevant information, go to the counter of the selected bank's offline business outlet to ask the staff to apply for a card, then get the application form to fill in, and then hand the completed form together with the information to the staff, and then just wait patiently for the bank Just review

After the bank has completed the approval, it will naturally send a message to notify the customer. If the approval is passed, a card will be printed for the customer, and then the prepared card will be mailed to the customer. Customers can activate it after receiving the card.

Of course, in addition to applying at branches, customers can also apply directly on the bank's official website, mobile banking client or credit card APP. However, everyone needs to be aware that if you apply for a credit card from a bank online for the first time, you may have to go to the bank for an interview later.

Customers should pay attention to keeping the phone open after submitting the card application, because some banks may call the customer to ask for some relevant information during the review. In this regard, if the call is not received in time, it may have a certain impact on the card approval.

Credit card limit increase:

When applying for a credit card, the bank will approve the limit based on the applicant's comprehensive qualifications, and the credit card can also be used to increase the limit. The method is as follows:

1. Use more credit cards to spend money

If you want to increase your credit card limit, you should use more credit cards to make purchases. Try to use your card where you can. It is best to keep the credit card before applying for the limit increase. Have a stable consumption record for several months, and it is best to make about 20 transactions every month. The merchants where the card is swiped should also be diversified.

2. Appropriate installment arrangements

Appropriate installment arrangements are conducive to credit card limit increases, but it is best not to make the installments too long. 3 to 6 installments are enough, and the installments are The amount should not be too large either. For example, it is very suitable to apply for installment after consumption during some holidays, and the success rate of increasing the amount is also high.

3. Keep good card usage records

If you want to increase your credit card limit, good card usage records are essential, because if you have a bad record on your credit report, you will not be able to increase your credit limit. Yes, so when repaying a credit card, you must pay it back on time to avoid overdue payments and avoid illegal operations such as cashing out.

How to cancel a China Construction Bank credit card

Cancellation of a China Construction Bank credit card can be done through the customer service phone and the bank counter. When canceling the customer service phone, just call the customer service phone directly to cancel; the bank counter needs to bring the credit card and a valid Identity certificate processing. No matter what method is used to cancel the credit card, the credit card balance must be paid in full and there must be no overpayment.

Cancellation of a China Construction Bank credit card is divided into account cancellation and card cancellation. Card cancellation means canceling the credit card itself, and account cancellation means canceling all credit cards under the user's name in China Construction Bank and canceling personal information. If you cancel the card, you don’t need to submit information when you want to have a CCB credit card again. The bank will cancel the card directly.

If you choose to cancel your account when canceling your credit card, and you want to have a China Construction Bank credit card again later, you must resubmit the information. The card will be issued only after the bank approves it. Users need to decide whether to cancel their account or card based on their actual situation.

Finally, it is best to get rid of the credit card points before canceling the credit card. After all, they are all obtained by swiping the card for consumption. After submitting the cancellation application, the user needs to check whether the credit card cancellation is successful after 45 days. If the credit card cancellation is not successful, do not discard the card casually. If the cancellation is not successful, you can consult customer service for the reason and continue to cancel the card after correction.

How to cancel a CCB credit card

Canceling a CCB credit card:

1. Processing at the counter

If the credit card has not expired, You need to apply first and then go to the bank counter to cancel the account; if the credit card has expired and there is no outstanding balance on the account, you can directly go to a China Construction Bank branch to cancel the account. However, if there is an outstanding balance, the balance must be paid before the account can be closed. When canceling the account, the cardholder should bring the original ID card and credit card. If the cardholder is inconvenient to handle the account cancellation procedure, he or she can ask someone else to do it for him or her. The agent must hold a power of attorney written by the cardholder and bring the original ID card to handle the account cancellation business.

2. Telephone processing

Cardholders need to call the China Construction Bank credit card hotline for processing. After dialing, you need to switch to manual processing. When the manual is connected, you can directly apply for account cancellation and provide your relevant information. After the customer has verified the information and there is no debt, the account can be canceled normally.

China Construction Bank is a large state-owned bank managed by the central government and a deputy ministerial-level unit. China Construction Bank's main business areas include corporate banking, personal banking and treasury services. It has branches and subsidiaries in 29 countries and regions, and owns funds, leasing, trusts, life, property and casualty insurance, investment banking, futures, and pensions. subsidiaries in many industries.

1. How many days is the grace period for CCB credit card?

The grace period for CCB credit card repayment is 3 days. After cardholders use CCB credit cards to make purchases, they can defer repayment for three days after the bill payment date. This is the repayment grace period provided by CCB to cardholders. As long as the current arrears are paid off within these three days, CCB will not upload the record to the Credit Reference Center of the People's Bank of China and will not impose penalties.

2. Depending on the level of the card, what is the general credit limit of CCB’s credit card?

1. The credit limit of CCB’s regular card is generally between RMB 3,000-10,000.

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2. The credit limit of China Construction Bank Gold Card is in the range of RMB 10,000-50,000.

3. The credit limit of China Construction Bank Platinum Card is generally more than 50,000 yuan.

3. How to increase the limit of CCB credit card

1. Increase the limit based on the number of times. Use the credit card frequently. Regardless of the amount, as long as the card can be swiped, you will definitely swipe the card.

2. Persistently increase your quota and continue to apply for quota increase over the phone. Sometimes different customer service applications will be handled differently.

3. It is best to raise the amount based on the winning amount. It is best if the monthly bill consumption is at least 30% of the total amount.

4. Threatening to cancel the card and raise the limit. If the limit is not increased, the card will be canceled. This sometimes works.

5. Temporary quota increase. Due to short-term needs such as festivals, tourism, business trips, etc. to increase the quota, you can apply for a temporary quota increase, which will be easier to approve.

6. Dormant suspension type increase, intentionally deactivating a credit card for a certain period of time, in order to encircle the bank, there are certain incentives for the activation of dormant cards, such as reward increases.

7. Curve limit increase type. Curve limit increase refers to the purpose of increasing the total personal limit by continuously applying for credit cards from the same bank.

8. Forex trading-style withdrawals, if you have ++ spending power, you can choose the form of foreign exchange trading to make deposits and withdrawals back and forth to increase the number of transactions for the purpose of achieving profits.

How to cancel a CCB credit card account

If the customer wants to cancel the CCB credit card account, please call the CCB customer service hotline 95533 after settling the card account (for overseas please dial 86 -28-95533), press the # key, and then follow the voice prompts to select "3 Credit Card Services" to handle account cancellation registration. After registration is completed, if there are no new accounts payable within 45 days, the account will be officially closed. After officially canceling the account, customers are asked to cut the magnetic stripe of the card by themselves (virtual cards such as E-pay cards do not need to be cut because they do not have physical cards).

(In case of business changes, please refer to the actual situation.)

This is the end of the introduction on how to cancel the construction credit card.