It is not difficult to cancel a China Merchants Bank credit card. As long as the cardholder brings his or her ID card and credit card, he or she can go to any outlet to cancel the credit card account or cancel the card. The reason why it is difficult to cancel credit cards is because in order to retain customers, banks usually go back and persuade cardholders to give up the idea of ??canceling their cards. But as long as the balance on the credit card has been settled, customers can cancel the card as they wish.

In addition, even if you cancel the credit card business, the previous overdue records cannot be cancelled. The overdue records will be automatically eliminated 5 years from the date of settlement. If you don’t want to have overdue records in your personal credit report, it’s best to repay every payment on time.

1. Credit card cancellation process

1. Meet the conditions for cancellation.

Under normal circumstances, if your credit card debt has not been paid off, or the annual fee has not been paid, or there is a balance, you cannot cancel it. Of course, some banks’ credit cards have other requirements. Therefore, be sure to ask clearly when calling the official credit card customer service.

2. Cancellation of telephone banking.

Basically, general credit cards can be canceled through telephone banking. Of course, some banks may be a little troublesome, while others are different. For example, China CITIC Bank, China Merchants Bank, etc. are very convenient. Note that the credit card must be able to be canceled before it can be canceled by phone.

3. Cancel at the bank counter.

Going to the bank counter to cancel is also an option. But please pay attention to a few points:

First: Bring necessary documents, such as ID card and credit card. If you owe money on your credit card, you should also prepare money!

Second Two: Remember to avoid the peak hours of the bank to avoid long queue times and delay your normal work and life.

Third: Explain the situation to the staff truthfully. If you really want to cancel the card, don’t change your mind easily.