If you want to cancel your Ping An Credit Card or close your account, you can directly dial the customer service hotline 95511, then press "2" to contact the credit card center's manual customer service to apply for cancellation/account cancellation; of course, you can also bring Use your personal ID card and credit card to go to the counter of a Ping An Bank branch near where you live to go through the cancellation/account cancellation procedures with the staff.

Everyone needs to note that there is a difference between cancellation and account cancellation. The so-called cancellation means to cancel only a certain credit card in the customer's name; while account cancellation means to cancel the customer's entire bank account, including all cards of the bank in his name, and all data will be deleted.

If you only cancel a single Ping An credit card, the balance in the account will not be affected; but if you cancel the account, you must pay off all the unpaid bills and then cancel the entire credit card. Ping An Bank Account. Also, if there is any excess overpayment in the card, you should withdraw it in time. Canceled cards will be cleared from Ping An Pocket Bank after 6 months.

After canceling the account, customers must remember to cut off the credit card chip before discarding it. After all, the chip contains personal information. If it is discarded directly, the personal information is likely to be stolen by others, causing security risks.

Credit card

Application

In most cases, those who have full capacity for civil conduct (citizens over 18 years old in mainland China) and have certain direct financial Citizens of the source can apply for a credit card from the card issuing bank. Sometimes, legal persons can also be applicants.

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature.

Review

After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness. The content of the review mainly includes whether the content of the application form is true. The creditworthiness of the applying unit must be evaluated, and the relevant circumstances of the guarantor must also be reviewed for individuals.

Usually, banks will judge whether to issue a credit card to the applicant based on the application information and various aspects of the applicant's information and financial situation. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and processes reviewed by the card issuing bank are commercial secrets and are generally difficult for outsiders to understand. The standards of each card-issuing bank are also different. Therefore, the same materials may be issued with different credit limits and different types of credit cards in different banks. Some banks may even approve the application, while others may reject it. .

Card Issuance

After the applicant successfully applies for a credit card, the card issuer will open a separate credit card account for the cardholder at the card-issuing bank for settlement after shopping, consumption and cash withdrawal.

Card opening

Since the card is sent by mail after the credit card application is approved, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from fraud losses, the credit card has set up a card opening procedure before it is officially launched. Card opening is mainly done by phone or online. The relevant personal information provided during the application is checked. Once the information is met, the card opening process is completed.

At this point, the applicant becomes the card holder and can officially start using it after signing on the back of the card. After opening a credit card, you generally need to set up a password for the card.

After accepting a credit card, a credit card merchant or bank must review the validity of the credit card and the identity of the cardholder.

Identification

There is at least the following information on the credit card:

Front: name and logo of the issuing bank, credit card number (organization logo) and holographic anti-counterfeiting mark, Card number, English or Pinyin name, activation date (generally calculated to month), validity date (generally calculated to month), the latest issued card is equipped with a chip on the front, and the chip account and the card magnetic stripe account are two relatively independent accounts.

Back: Card magnetic stripe, cardholder signature field (must sign after activation), service hotline number, last four digits of the card number or the entire card number (to prevent fraudulent use), credit card security code (on the credit card On the signature line on the back, there are three digits immediately following the last four digits of the card number, which are used for credit card activation, password management, TV, telephone and online transactions, etc.).

Authorization

The merchant and bank confirm that the credit card is valid, and contact the bank to request authorization according to the contract signed with the card issuer. Authorization is to further confirm the cardholder's identity and the amount that can be used. Authorization is generally made when the usage amount specified in the contract is exceeded.

After receiving the authorization notice, the card-issuing bank will issue an authorization instruction based on the deposit balance of the cardholder's deposit account and the bank's agreement to allow overdraft, and reply whether it agrees to conduct the transaction.

Use

Credit cards are usually only used by the cardholder himself. Lending them to others is generally a violation of the use contract.