How to cancel a credit card application

There are two ways to cancel a credit card application: 1. If you want to cancel the online application for a credit card, if you do not go to the branch for confirmation, the card application will be canceled after 45 days. Automatic rejection, no need to go to the branch to apply, you can also contact customer service phone number to apply for cancellation. 2. If you have already gone through the confirmation procedures at the counter, you need to go to the bank counter.

It should be noted that the cancellation method should be selected based on the credit card approval status. The bank's review of the credit card is a key point. If the credit card has not passed the review, you can notify the bank to cancel the application; if the credit card has passed the review, you must cancel the credit card through other methods.

If the credit card review has not been passed, the applicant can call the credit card center of the card-issuing bank and submit an application to cancel the credit card application to the customer service staff. Or go directly to the business branch of the bank where the card was issued and apply to the counter staff at the counter to cancel the card application. If the counter staff is unable to handle the transaction, you can seek further solutions from the bank manager.

If the bank has completed the user's qualification review when the user needs to cancel the credit card, and the review has passed, cancellation cannot be done in this case. Because once approved, the user will establish a credit file in the system of the bank applying for the credit card, and the file cannot be deleted.

In this case, if you no longer want to use the bank's credit card, the solution is to apply to the bank that issued the card to cancel the card. Before canceling a credit card, you must pay the corresponding fees or go through the corresponding procedures in accordance with the regulations of the bank that issued the card. If you cancel a credit card before using it after applying, it will affect your personal credit record, and the success rate of applying for a credit card next time will be reduced.

How to cancel a credit card

Contact credit card customer service or bring your ID card to the bank counter to cancel.

1. If you still owe money after canceling your credit card, you can pay it off at the bank counter, otherwise interest and late payment fees will continue to accrue. This may ultimately lead to adverse legal consequences.

2. According to the "Interpretation of the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Law in Handling Criminal Cases of Obstructing Credit Card Management" (Fa Interpretation [2009] No. 19):

Sixth Article 19 If a cardholder exceeds the prescribed limit or overdrafts within the prescribed period for the purpose of illegal possession, and fails to return the card for more than 3 months after being called upon twice by the issuing bank, it shall be deemed as "malicious" as stipulated in Article 196 of the Criminal Law. Overdraft". Malicious overdraft, if the amount is more than 10,000 yuan but less than 100,000 yuan, shall be deemed as a "relatively large amount" as stipulated in Article 196 of the Criminal Law; if the amount is more than 100,000 yuan but less than 1 million yuan, it shall be deemed as a "large amount" under the Criminal Law. "Huge amount" as stipulated in Article 196; if the amount is more than 1 million yuan, it shall be deemed as "especially huge amount" as stipulated in Article 196 of the Criminal Law.

The amount of malicious overdraft refers to the amount that the cardholder refuses to return or the amount that has not yet been returned under the conditions specified in the first paragraph. Excludes compound interest, late fees, handling fees, etc. charged by the issuing bank

3. Article 196 of the "Criminal Law" Whoever engages in credit card activities under any of the following circumstances and the amount is relatively large shall be sentenced to a prison sentence of not more than five years Or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, the sentence shall be not less than five years but not more than 10 years, and also a fine of not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other serious circumstances, If there are other particularly serious circumstances, he shall be sentenced to not less than 10 years in prison or fined not less than 50,000 yuan but not more than 500,000 yuan, or his property may be confiscated:

(1) Using a forged credit card, or using a false identity Proving that the credit card was obtained fraudulently;

(2) Using an invalid credit card;

(3) Pretending to use another person’s credit card;

(4) Malicious Overdrawn. If you apply to cancel the credit card during the credit card application process, you can cancel the credit card after approval from the bank. 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.

How to cancel a credit card

Credit cards can be canceled in the following three situations:

The first is that the credit card has not been obtained and the applicant has just completed the online application , the bank has not yet rushed to send the card or apply through the agent channel, and the salesperson has not yet submitted the information. At this time, the card applicant can call the customer service center where the card was applied for and say that he wants to cancel the application for the credit card.

The second is that the applicant has received an unactivated credit card. For a newly applied credit card, if it has not been activated, there is no need to cancel the card. The general activation period is one year from the date of issuance of the card. If it is not activated within the specified time, the credit card will automatically become invalid.

The third type of credit card in use, you must make preparations before canceling the credit card. First of all, you need to pay off all your credit card debts. If you have any extra money, you need to spend it. Make sure that there is no more or less money on your credit card account. Then call the customer service number and follow the voice prompts to transfer the money. Manually apply for a credit card to make an appointment to close the account.

How to cancel a credit card

There are two ways to cancel a credit card:

1. Cancel the card at an outlet and apply at a bank outlet with your credit card and ID card. Cancel the card.

2. Call the bank’s customer service number to cancel the card. Remember to cut the card after canceling it.

Credit cards can be canceled under the following circumstances:

1. The applicant does not receive the credit card. The applicant has just applied online, and the bank has not yet rushed to send the card or apply through agency channels. The salesperson did not submit the information. At this time, the cardholder can call the customer service center of the card issuer to cancel the credit card application. In this case, canceling the credit card has basically no impact on the individual.

2. The applicant has received an invalid credit card. For newly applied credit cards, if it has not been activated, there is no need to cancel the card. The general activation period is one year from the date of issue. If not activated for a specified period of time, the credit card will automatically expire.

3. Credit card in use. You must be prepared before canceling your credit card. First, you need to pay off any balance you owe on your credit card. If you save more money, you should also spend it. Make sure there is no more than a penny in your credit card account, and then call the customer service number according to the voice prompts to manually apply to cancel the credit card reservation. After the next billing date, if your account is flat, i.e. not much, not much, then your credit card can be canceled. Or you can cancel at the counter and bring the necessary documents, ID, credit card and cash. Explain the situation truthfully to staff.

Main functions of credit cards:

1. Credit cards are one of the fastest growing financial services. It is an electronic currency that can replace traditional cash flow to a certain extent;

2. Credit card has both payment and credit functions. Cardholders can purchase goods or enjoy services, or use credit cards to obtain certain loans from card issuers;

3. Credit cards are high-tech products that combine financial services with computer technology.

4. Credit cards can reduce the use of cash and money;

5. Credit cards can provide settlement services, facilitate shopping and consumption, and enhance a sense of security;

6. Credit cards can simplify payment procedures and save social labor;

7. Credit cards can promote product sales and social demand.

This is the end of the introduction on how to cancel credit card business.