How to cancel the credit card application

Apply to cancel the credit card application during the credit card application process. After the bank approves, the credit card application can be canceled. Generally, cancellation is not allowed during the credit card processing process. If you must cancel, please be prepared with convincing and reasonable reasons for cancellation.

The general process for canceling a credit card is: 1. Prepare documents; 2. Submit an application and inform the reason; 3. Accept the application and check the status; 4. Cancel the card application.

Prepare documents. Before canceling your credit card application, you must first prepare your personal identification materials (such as ID card, mobile phone number, debit card of the bank, etc.) for bank inspection.

Make an application and tell the reason. First submit an application to cancel the credit card application to the bank. When submitting the application, the bank will first confirm the identity of the applicant and check whether it is the person applying for the card. The applicant then fills in the cancellation reason required by the bank and informs the bank of the reason for canceling the credit card application.

Accept the application and check the status. After the bank understands the applicant's reason for cancellation, it will determine whether the reason is "tenable", that is, whether the reason for cancellation is reasonable. If reasonable, the next step is to check the credit card approval status. If the credit card is still in the approval process, you can cancel it smoothly; if the credit card has been approved, it cannot be canceled.

It is so troublesome to cancel the application, so choose carefully when applying for a credit card

How to cancel the credit card you just applied for

The credit card you just applied for may be cancelled. There will be some trouble, so I suggest you log out directly. Logging out will not have any personal impact and is very simple. Cardholders only need to call the bank's customer service hotline to cancel the card, and the bank's customer service will handle it after verifying the relevant information.

The credit card you just applied for will not incur any fees if it is not activated. However, you need to pay attention to whether this credit card is a high-end credit card, because many high-end credit cards will also incur annual fees if they are not activated. At this time, regardless of whether the card is returned or canceled , the annual fee needs to be returned, otherwise it will affect the user's credit report.

In order to avoid using the credit card you just applied for, it is best for users to think clearly whether they need this credit card before applying for a credit card. If the user has no use because the credit limit is too low, there is no need at this time. You can continue to increase the credit card limit through later use.

When applying for a credit card, users can go through the bank's official website. Through the bank's official website, they can learn more about the benefits included in this credit card and how to use the benefits. In this way, you can save more money when you usually use this credit card, but you must repay it on time after using the credit card for consumption.

How to refund the Bank of Communications credit card

Requirements for refunding the Bank of Communications credit card:

Pay off the debt first and call the Bank of Communications credit card phone number: 8009888888. Switch to manual service and ask the customer service staff at the Bank of Communications Credit Card Center to cancel your Bank of Communications credit card. After verifying your identity, the customer service staff can handle the cancellation procedures for you. All processes can be completed over the phone without going to the Bank of Communications business. outlets.

Bank of Communications Credit Card is a credit brand product jointly launched by Bank of Communications and HSBC. Its user positioning is "a group of people who have ideals and pursuits in life and career, know how to enjoy, and are more willing to struggle. Sometimes there are people who want to study, do business, research or travel abroad.

Extended information:

Issuance background

In May 2005, just as the Bank of Communications was preparing. When entering the credit card business, the domestic market happened to be full of smoke: major domestic banks entered the market one after another, and the competition became increasingly fierce; among the foreign banks, there were even pioneers aiming at the Chinese market and teaming up with domestic banks to establish jointly promoted credit cards between domestic and foreign banks. model.

Faced with unfavorable competition, how can Bank of Communications reverse its passive situation and gain a leading position in the credit card market? Even before the establishment of Pacific Credit Card Center in October 2004, Bank of Communications had been thinking about two things. Two questions: first, customer positioning; second, the advantages of strategic alliance with HSBC.