When the credit card is not used, you can choose to cancel it. There are generally telephone cancellation and bank counter cancellation.

Telephone cancellation process: the user calls the customer service hotline of the issuing bank and turns to manual service. The customer service staff will verify the user's personal information and submit the cancellation application after verifying the information. The staff will ask the reason for cancellation and confirm whether the user wants to cancel. After confirming the cancellation, wait for a 45-day risk period. On the 46th day, users can call the customer service hotline to check whether the cancellation was successful.

Bank counter cancellation process: users can go directly to the offline bank counter with their credit cards and personal ID cards.

The debt must be paid off before cancellation. If there are still points, you'd better remove them.

Credit card cancellation is divided into card cancellation and account cancellation; Select cancel card. If you want to use it in the future, you can apply to the bank for a new card. If the credit card of the same bank with the same account name is cancelled and you want to use the cancelled bank's credit card in the future, you must apply again.

Note: If the credit card cannot be cancelled just after its expiration, it should be used for two years, during which it can be repaid on time, and the overdue record can be overwritten, which will not have any impact on the credit investigation.

How can I cancel my credit card if I don't need it?

If the user no longer uses the credit card, he can log off in the following two ways: 1, and call the customer service hotline to log off. We can cancel our credit card by calling the 24-hour hotline. Of course, when we call to cancel the card, we must pay off the debt before the credit card.

2. Go to the bank counter to cancel the card. We can take our ID cards and credit cards and cancel them at the local bank. There must be no arrears or too much deposit at the time of cancellation, otherwise it cannot be cancelled.

Precautions for credit card cancellation: (1) When the credit card is cancelled, it is necessary to pay off the arrears, and at the same time, it is necessary to reach the number of swipes specified by the bank in that year. In order to prevent the annual fee from being deducted without our knowledge in the process of credit card cancellation, resulting in credit card arrears.

(2) When we cancel a credit card account, there will be a settlement period of about 45 days. During this period, users must stop using credit cards. It is enough that we guarantee that there is no debt in it. Because if you swipe your card again during the settlement period, it may lead to the failure of card withdrawal.

What if I don't use my credit card? The user can choose to cancel.

Credit cards can facilitate our life when we use them at ordinary times, but many people apply for several cards at first, but many of them are not used after processing. What should we do if the credit cards are not used? What will you do with it? Let me give you a detailed introduction.

When the credit card is not used, you can pay off all the debts, and then you don't need it. Generally, a credit card will automatically expire after its validity period, but it must be guaranteed that the credit card will not generate an annual fee when it is released. If the annual fee is not paid back, the bank will charge a penalty interest, which will affect personal credit information.

If users are worried about a series of problems when placing unused credit cards, they can cancel the credit cards at this time, but the cancellation can be divided into card withdrawal and account cancellation. Returning the card only cancels the card itself, and canceling the account is to cancel all the credit cards of this bank, which is very different.

Users can directly call the bank customer service hotline when canceling their credit cards. The bank customer service may keep it when canceling, but as long as they insist on canceling. Generally, after verifying the cardholder's information, the customer service staff will submit an application for cancellation, and it will take 45 days to know whether the cancellation is successful.

Credit card cancellation should pay off debts, and pay attention to the points generated by credit card consumption. You can exchange goods in integral mall. Therefore, it is best to know how many points the credit card contains before canceling the credit card, and then use the points. If the number of points is relatively small, you can buy them in cash and points.

Credit card cancellation will not affect personal credit information. However, recently, the credit card is overdue. If you receive a credit report, you should cancel it carefully. Generally, it will be cancelled after a period of time, which can cover up the overdue record. After all, bad credit information affects the handling of various loans, such as car loans and mortgages. It should be noted that the record of bad credit information will be kept for 5 years, and will disappear automatically after 5 years.

What should I do if I want to cancel my credit card?

If you want to cancel your credit card, you must cancel it.

Credit card cancellation practice:

1. Confirm the balance. To confirm whether the credit card is in arrears, you can bind mobile banking or telephone to inquire whether it is in arrears, such as "Shanghai Bank Credit Card", and directly track the inquiry amount on WeChat. Now many banks can query on WeChat or Alipay, which is very convenient.

After confirming that there is no debt, you can directly call the corresponding credit card center service number without going to the counter. After the service center personnel verify your identity, they will cancel the service for you online.

2. Destroy the card and unbind the payment withholding agreement of the payment platform. When you cancel, the customer service will teach you how to cut off the credit card and remind you not to increase new consumption. At this time, we need to check the previous binding records on platforms such as Alipay, WeChat, Meituan, mobile phone automatic recharge or water and electricity withholding, and immediately cancel the binding to avoid new consumption;

3. Call customer service to confirm the result. Credit card cancellation period is generally 45 days. Time has passed, call the bank customer service to confirm whether the card is successfully returned.

Extended data

Credit card repayment method

1, within the issuing bank

This method includes: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.

2. Micro-silver POS mobile phone

Weizhong Bank POS mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer of credit cards. Arrive immediately!

3. Transfer/remittance repayment

Mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.

4. Online repayment

Common domestic network platforms are: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay and so on. Choose different platforms and banks, and the charging standards and specific arrival time are different.

5. Convenience store repayment

This method mainly completes the repayment through the "Lacarra" smart payment terminal installed in the convenience store, which generally takes 2-3 working days to arrive at the account, and the repayment in this way is free.

Baidu encyclopedia-credit card

What if I don't use my credit card?

Don't want to use a credit card: if you don't plan to activate a credit card, you should cancel it, otherwise you will still have to charge an annual fee. It is recommended to cancel the credit card within one month after issuing the card, and no later than 12 months. General bank counters do not provide credit card cancellation services, and it is not excluded that some banks can provide such services. However, most banks require cardholders to call the customer service phone number of our credit card center to apply for cancellation of credit cards. I don't want to use a credit card, so I have to cancel it, remember! Otherwise, the bank will continue to charge the annual fee and record the annual fee during the overdue period year by year, which will not only form interest and late fees, but also affect the cardholder's personal credit information!

Apply for credit card cancellation at the bank counter, and the counter staff will conduct a comprehensive liquidation and verification of all interest charges for credit card cancellation;

After the bank confirms that there is no arrears, including annual fees, it needs to fill in the relevant application form and submit the application for cancellation of account through the counter system after being authorized by the right person;

At this point, the credit card information enters the pre-cancellation state, and the bank will set a one-month "regret period" for credit card cancellation. If the customer does not apply for recovery within one month, the system will automatically cancel the credit card, and the customer does not need to go to the counter to go through the formalities. 1. The cardholder who returns the card does not want to use the credit card of a bank, but can apply to the bank for account cancellation and terminate all the use rights of the credit card. The cancellation of the card is the cancellation of the credit card, but the bank still retains the personal account opening information. After the general card is cancelled, it can still be reopened in a short time. 2. After the customer cancels all the credit cards in the bank, he applies to the bank for account cancellation. After the account is cancelled, all information except bad credit information will be deleted. 1. After the card is cancelled, the customer is still an old customer of the bank and no longer enjoys the preferential treatment for new customers of the bank. After the account is cancelled, the customer is equivalent to a new user. If you apply for the card again, you can enjoy the discount for new customers.

2. After the credit card is cancelled, the magnetic stripe information is still there. After the account is closed, all information will be lost and the credit card will be completely invalid.

What if I don't use a credit card?

The suggestion is that if you have more than one credit card or savings card of this bank, choose to cancel it; If you only have the only credit card in this bank, and you won't use it again in the future, choose to cancel your account.

The process of returning the card is very simple. Just call the customer service of the credit card and it will be done soon. The credit card in your hand is useless and can be destroyed by yourself. However, before that, cardholders still have some things to pay attention to.

First of all, it depends on whether there are outstanding debts and overflow deposits in your credit card. If you owe money, you must pay it off before you can cancel your card or account. If there is an overflow of deposits, you must spend them first.

Second, see how many credit card points you have and what gifts you can exchange, otherwise the points will be gone and wasted after canceling the card and account.

Third, see if there are any bad records of credit cards in the past, such as overdue records. If so, it is best not to cancel the card or account, because bad records will always exist. In this case, it is recommended to continue to use the credit card until the credit record is covered by the new consumption record after 5 years.

The process of card cancellation

1. Call the bank credit card center to inquire about cancellation, mainly depending on whether your card is suitable for cancellation and whether there is a balance.

2. Cancel the credit card by phone. After receiving the call, the bank will accept the user's application to cancel the credit card, and deduct the annual fee receivable from all the cards under his account, and the account balance will be zero or the customer will definitely give up the remaining deposit in the account.

3. Go to the bank counter to officially cancel the credit card. Must carry

① Prepare the ID card;

(2) an application form;

③ Credit card to be cancelled. Go to the counter to get the card transaction, and then wait a month to cancel the transaction.

The first step to cancel the account is to receive the card, and then do the corresponding cancellation procedures one month after receiving the card, but you can also make an appointment to cancel the account directly on the day of card cancellation. So you don't have to go to the outlet after waiting for a month. The balance on the card will be directly transferred to the card after 1 to cancel the account at that time.

This is the end of the introduction about how to do without credit card and how to do without credit card of Ping An Bank. I wonder if you have found the information you need?