1. Whether the debts have been paid off
When canceling a credit card, check whether the debts have been paid off. Before canceling, it is generally necessary to check whether there is any debt in the credit card, but in some cases, the bill can't be seen, which makes people mistakenly think that they have paid off the debts.
2. Whether the expenses have been paid in full
Whether other expenses have been paid in full, before canceling the credit card, first confirm the annual fee waiver, and then the management fee, such as SMS notification fee. Some banks deduct it not in advance, but finally. In the interim, it will not be reflected in the credit card bill.
3. Confirm after cancellation
After 45 days, confirm with the bank whether the cancellation is successful again. Generally, the credit card cancellation period of the bank is about 45 days.
in the meantime, even if the credit card is cancelled, the information on the magnetic stripe of the card is still there. If criminals use investment and wealth management, and then submit an application for a new credit card to the bank, there will be a danger of being stolen.
Therefore, it is best to call the customer service phone of the bank credit card 45 days after cancellation to confirm whether the cancellation is successful or not, so as to avoid unnecessary troubles caused by not canceling for special reasons.
Credit card cancellation method:
1. Telephone banking cancellation:
Credit cards can be cancelled through telephone banking. If the credit card can only be cancelled by phone on the premise that it can be cancelled, call the corresponding bank customer, enter the search card number and information according to the prompt, and cancel the account.
2. Cancellation of bank counters:
(1) Bring valid certificates, such as ID cards and credit cards.
(2) get the reservation number from the bank and queue up
(3) explain to the service staff that you want to close the account, give the credit card to the bank staff and fill out the relevant application.
(4) the credit card account is closed.