China Merchants Bank credit card cancellation method:

Call the credit card customer service hotline 4008205555 to transfer to the manual service cancellation card (if you need to cancel the credit card that has not been opened, please dial and select the "Report the Loss" button to enter the cancellation application). Business credit card cancellation needs to contact the company to issue a special business processing form application.

Credit card cancellation process:

1. Call the bank customer service phone to apply for cancellation of the credit card. Note that at this time, bank customer service will generally retain you. If you decide to cancel your card, don't listen to him "fool" and insist on canceling it.

2. There will be a settlement period of 30 -45 days from the telephone application for cancellation to the formal cancellation. Never use a credit card again in the meantime.

3. 40 days after the cancellation, call the bank customer service to confirm whether the cancellation is successful, so as to avoid leaving a bad record for yourself because of the unsuccessful cancellation for special reasons.

4. Don't throw away the cancelled credit card everywhere. Cut the magnetic stripe and discard it to avoid being picked up by criminals and causing losses to yourself.

Before canceling the credit card, make sure that the credit card has no balance, no arrears and no extra deposits. Because once a credit card has a balance, it cannot be cancelled.

There are several points to note when canceling a credit card:

1. Pay off all debts in time. This debt includes bill debt and annual fee. If there is still arrears in the card, forget it and cancel the card directly. After the interest is accrued, the amount reaches a certain amount, and the bank begins to "collect debts"!

2.45 days later, confirm whether to cancel the account. Credit card cancellation is usually handled through customer service, but it was not successful at that time. When the card is cancelled, the account will enter the pre-cancellation state, and it will take 45 working days to know whether the account has been cancelled successfully.

3. Cut off the magnetic stripe when the pin is stuck. If the card is complete, it may be used in some consumer places that only need the card number and do not need to check the information. The best way is to cut the magnetic stripe into several pieces and throw it into different garbage dumps to prevent future troubles!