If you plan to cancel your credit card, you need to make some preparations in advance.

Generally, when canceling the card, the card is required to be in a state of no arrears and no overpayment, that is, the card cannot exceed 1 integral and cannot be lower than 1 integral.

So, stop using this card first, and after the bill is issued, repay it according to the bill amount, accurate to the minute. No more, no less.

Especially when you plan to cancel your credit card, make sure that you have swiped it enough times without annual fee! If you don't meet the requirements of annual fee exemption, you may still charge the annual fee payable after you cancel your card. If it is not found in time, it will be overdue and affect the credit record.

Card cancellation process

Xiaoying has cancelled the credit cards of four different banks so far, all in accordance with the following procedures:

Call the official customer service and transfer to manual service;

Tell the customer service to cancel the credit card directly;

After verifying some information (basically the information filled in when applying for a credit card, home address, home phone number, emergency contact person, etc. ), the customer service will answer truthfully. If you apply earlier, it doesn't matter if you can't remember some information clearly. Tell the customer service truthfully and let the customer service ask another question. The general requirement is that three questions can be answered correctly.

Customer service operates directly, and the card is successfully sold in a few seconds; At this time, the credit card is no longer available, so you can destroy it yourself.

Some customer service will advise you not to return the card, and even give you some discounts, such as increasing the quota or exempting the annual fee. If the benefits are attractive, you can choose not to cancel them; If you are determined to return the card, just emphasize it with the customer service.

But I have a friend who runs a credit card of Minsheng Bank. He wants to cancel it. The bank asked him to go to the counter or mail the card to the bank. After a long struggle, he finally succeeded.

Cancel it and do it again.

Xiaoying wants to remind everyone that there are two kinds of cancellation: "card cancellation" and "account cancellation", that is, card cancellation means that the card is invalid and you still have a loan account in the bank. Some banks support reactivation of activated accounts, that is, you regret it after canceling your card, and you can apply for activation and send you a new card; The cancellation account doesn't even have this loan account.

We called the customer service, which operated in the system. At this time, it is actually just "returning the card" and there is no "cancellation". Generally, banks will give a time limit. If they don't apply for activating the recovery account after the time limit, they will "close the account", and most banks will spend 45-60 days.

Xiaoying once watched the news, but after the card was cancelled, the bank did not operate to cancel the account, and also incurred an annual fee, which finally led to the overdue credit of the card owner and the inability to lend money.

Because this may happen, I will check the credit report two months after each card withdrawal to see if the account has been cancelled.

I cancelled my Industrial Bank Card on 16/ 10/29, and the card will not be used immediately.

I inquired about the credit report on 16/ 12/26. As shown in the above figure, we can see that the item 1 1 is Industrial Bank, and the cancellation of the card is not shown in the letter. There are two possibilities: ① the "waiting period" has not passed and the bank has not cancelled my account; The bank has closed its account, but the credit report has not been updated.

In view of this situation, I will pay special attention to the cancellation of industrial accounts when I check the credit report next time. (PS: My habit is to check it once a quarter. Individuals checking four times a year will not affect the bank's approval of credit cards or loans. )

Please pay attention to the above points when canceling the card, and don't leave a "tail", which will not pay off.