1. Offline account cancellation: with the user ID card, go to the bank in the city where the account is opened to cancel the account;
2. Online cancellation: You can cancel by calling the credit card customer service phone, but you need to provide some supporting information when canceling. Usually, the bank can close the account after checking the user information and confirming it.
The above is how to cancel the credit card of China Merchants Bank. Related content.
What is a credit card?
Credit card can also be called credit card, which is a kind of personal credit certificate issued by commercial banks to users whose personal credit meets the standard. The method is a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Users with credit cards can go to specially invited commercial units to buy things or spend money, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed amount. Credit card consumption is a payment method of currency transaction. There is no need to pay in cash when spending, and the loan will be repaid after the credit card bill is issued.
Credit card withdrawal method
1. Withdraw cash in advance: Withdrawing cash in advance is one of the functions of bank credit cards. Cardholders do not need to apply to the bank in advance to withdraw cash directly from the ATM, and the withdrawal amount is generally 50% of the available credit card amount of the bank;
2. Cash withdrawal by installment: This cash withdrawal method requires the cardholder to apply to the bank, and the bank will approve it. If approved, the bank will transfer the money to the bank savings card under the cardholder's account; If the approval fails, the cardholder will not be able to withdraw cash;
3. Credit card overpayment withdrawal: Overpayment refers to the money left by the cardholder in the bank credit card, which can be directly withdrawn from the ATM.
Where can I apply for a credit card
1. application for service outlets: users bring ID cards, proof of work units, proof of funds and other materials to apply at nearby bank service points;
2. Third-party software application: You can pay attention to the official WeChat account of the third-party payment platform, select the type of credit card to apply for, and then fill in the information according to the information prompts;
3. Online application: log on to the bank's credit card website, select your favorite credit card category, and follow the prompts.
Credit card is a kind of card that can replace cash transactions. After a certain credit risk management process, the card issuer has proved that the user's personal credit is excellent and can sign bills in special stores for various consumption behaviors. This article is mainly about how to cancel the credit card of China Merchants Bank. Relevant knowledge points are for reference only.
How to cancel the credit card of China Merchants Bank?
Telephone cancellation: You can call the credit card service hotline of China Merchants Bank and follow the prompts to cancel. The customer service staff will verify some information and answer truthfully.
Counter cancellation: take my ID card and the credit card to be cancelled, go to the nearest outlet of China Merchants Bank and operate under the guidance of bank staff.
Tip: The bank will handle the formal account cancellation procedures for cardholders 45 days after accepting the application for account cancellation (except for those whose cards have expired for more than 45 days).
Matters needing attention in China Merchants Bank's credit card cancellation:
1. Before canceling, what you need to do is to ensure that your credit card is not overpaid or owed. If there is overpayment, you need to swipe your card or withdraw cash. If you owe money after cancellation, you need to repay your cancellation through the counter of China Merchants Bank.
2. When the cardholder applies for account cancellation, he should return the credit card to China Merchants Bank or destroy the card according to the regulations of China Merchants Bank, and the annual fee received will not be refunded.
3. The credit card can be cut off after canceling the confirmation. In life, a complete credit card cannot fall into the hands of others to prevent people with ulterior motives from using it.
How to cancel China Merchants Credit Card?
There are three ways to cancel the credit card of China Merchants Bank:
1. Call the bank credit card center to inquire about cancellation;
2. Cancel the credit card by phone;
3. Cancel the credit card at the bank counter:
① Prepare the ID card;
2 Pay off the arrears;
③ Go to the bank counter to cancel the business. If you don't want to continue using CMB credit cards, you must cancel your CMB credit cards in time, because all credit cards have annual fees. If you don't repay the accumulated annual fee in time, it may bring you a credit stain. Therefore, we should take the time to cancel the credit card. The development course of China Merchants Bank's credit card: it started earlier and achieved professional and comprehensive services in 2002; Its credit card customer center was awarded as the best call center in China in 2004 and the best call center award in China in 20 12. By the end of 20 16, the cumulative card issuance was nearly 80 million, the annual cumulative consumption of credit cards exceeded 2 trillion yuan, and the per capita consumption was nearly 60,000 yuan, ranking first in the same industry in terms of overseas credit card consumption; Business content is also constantly enriched. The download volume of China Merchants Bank's Pocket Life App has exceeded 654.38+0 billion, with more than 30 million bound users and nearly 4 million daily users. At last year's "Double Eleven" Consumer Carnival, the transaction volume of China Merchants Bank's credit card reached 654.38+05.5 billion yuan.
At the end of 2008, China Merchants Bank took the lead in transformation in the same industry. The development of credit cards has changed from extensive management to intensive management, and the service functions have been constantly innovated. With 100 credit cards, it has been widely recognized and appreciated by the whole society. In the past 10 years, it won the title of the most popular credit card for millionaires in the Hurun Report for eight times, making a profit four years ahead of schedule, creating a miracle in the international credit card industry, and Harvard University wrote it into a teaching case.
What is more worthy of emulation by the same industry is to accurately segment the consumer market and launch credit cards with different consumption functions to meet the needs of different consumer groups and spending power. In order to accurately grasp the profit direction of the market and better meet the real demands of customers, China Merchants Bank implemented a refined marketing strategy, and managed the credit card customer base structure into five categories, namely, high-end customers, diamond customers, sunflower customers, gold card customers and ordinary customers. At the same time, according to the multi-level requirements of customers, China Merchants Bank provides credit card services that meet the needs of various consumption scenarios, mainly including unlimited cards, platinum cards, business cards and department store cards, airline cards, fan cards and other varieties.
So much for the introduction on how to cancel China Merchants Credit Card.