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’s so troublesome to cancel the application, so it’s better to choose carefully when applying for a credit card

What should I do if I don’t want the credit card I applied for? You can cancel through these methods

Many people are always hesitant to apply for a credit card. After applying, they are still wondering whether it is necessary to apply for a card. Some people even do not want a card after submitting the application and have to apply for it. Cancel credit card. So, what should you do if you no longer want a credit card after applying for it? Let’s find out together below.

How to cancel the credit card application if I no longer want it?

Actually, there are solutions if you no longer want a credit card after applying. However, you need to know the progress of your credit card application. It is recommended that you check the credit card approval status through the official credit card website and WeChat official account, and then take corresponding steps. The specific measures are as follows:

1. Under review:

If you find that the credit card application is under review, you can use the mobile phone number reserved when applying for the card to call the card issuing bank at 24 Hourly service hotline, transfer to manual service, submit credit card cancellation application to customer service, but whether it can be canceled will be subject to the final result.

2. Approval:

This situation means that the card has been successfully approved and cannot be canceled. If you really don’t want the credit card, you can directly call the service hotline of the card issuer and cancel the card manually after receiving the credit card. Before canceling a card, you must understand the credit card account situation clearly. If the credit card has not been opened but has been charged, you must settle the repayable account before canceling the card.

3. Waiting for interview:

This situation only passes the preliminary review and needs to be interviewed before the final review. Usually credit card interviews have a set time limit, which is specified in the interview text message sent. If you don’t want the credit card, you don’t need to go to the interview again. If the interview is not completed within the specified time, the system will automatically end the credit card application.

4. Review rejected:

The credit card approval failed and the application was automatically terminated. In this case, there is no need to cancel it yourself.

The above is the relevant introduction to "What to do if you no longer want the credit you applied for". I hope it will be helpful to everyone. In short, if you no longer want the credit card after applying, you can check the card application progress and adopt different cancellation methods according to the card approval status.

How to cancel a credit card application

The cancellation process is different for different credit card statuses

1. Under review: If it is found that the credit card application progress is under review, you can use Use the mobile phone number reserved when applying for the card, call the card issuer's 24-hour service hotline, transfer to manual service, and apply to customer service to cancel the credit card. However, whether the cancellation can be made is subject to the final result.

2. Approved: This situation means that the card has been approved successfully and cannot be canceled.

If you really don’t want the credit card, you can directly call the service hotline of the card issuer and cancel the card manually after receiving the credit card. Before canceling a card, you must understand the credit card account situation clearly. If the credit card has not been opened but has been charged, you must settle the repayable account before canceling the card.

3. Waiting for interview: In this case, the applicant only passes the preliminary review and needs to be interviewed before the final review. Usually credit card interviews have a set time limit, which is specified in the interview text message sent. If you don’t want the credit card, you don’t need to go to the interview again. If the interview is not completed within the specified time, the system will automatically end the credit card application.

4. Approval rejected: The credit card approval failed and the application was automatically terminated. In this case, there is no need to cancel it yourself.

1. The difference between canceling a card and canceling an account

1. Cancellation of a credit card

Canceling a credit card only deactivates your card. As the name suggests, you cannot use the card normally. , and many people forget about it after canceling the card, and some just throw it aside. However, if someone picks up your card, criminals will use your magnetic stripe information to re-card it and use it for consumption. Unknown to you, the bank will notify you to repay when the credit card statement comes out. If you don't pay attention, you will be overdue. Risks and unnecessary trouble! However, when you cancel your credit card and apply for a credit card again, the bank cannot treat you as a new user and you will not receive bank discounts or new account benefits.

2. Credit card account cancellation

Credit card account cancellation refers to the complete deletion of your personal bank credit card information account. The system does not have all your information, and the card requires you to cut it off with scissors. Magnetic strip. If you apply for a card again, you will be treated as a new user. Some banks are vindictive when it comes to closing accounts. Please think twice about closing accounts.

How to cancel a credit card

1. It is recommended to cancel by phone. Call credit card customer service directly to apply. Cancellation can be made after customer service verifies personal information.

2. You can go to the bank to apply for cancellation. Bring your ID card to a nearby bank branch to cancel the card.

3. Note: Before canceling a credit card, please make sure there is no debt or balance in the account. It must be paid off according to the exact amount owed, down to the penny.

4. After canceling the card, destroy the card immediately. You can cut the card or burn 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 meet social needs.

That’s it for the introduction on how to cancel a credit card application.