The first step is to confirm whether the credit card to be cancelled has outstanding debts. You can log on to the credit card service page of online banking personal account center of Guangfa Bank to check whether there are any outstanding debts.
If you find unpaid arrears such as liquidated damages, interest and annual fees, you must pay them back and pay off the arrears. If there is any remaining deposit in the credit card, you can clear the remaining deposit in the card by means of consumption, cash withdrawal, etc. If there is any amount that cannot be withdrawn or consumed, it must be clearly stated to Guangfa Bank when it is necessary to give it up.
Step 2: Cancel the credit card of Guangfa Bank. Guangfa Bank has opened many credit card cancellation channels. Cardholders can cancel through bank outlets and online banking. However, it should be noted that it takes about 45 days for credit card cancellation to take effect. Because the bank can only return the card if it is confirmed that the card refunder has no arrears. When the user returns the card, this time may span the next billing cycle, and the bank can only close the account after confirming that there is no debt in the previous billing cycle.
Account cancellation through bank outlets: Go to the nearest business outlet of Guangfa Bank with my ID card and the credit card of the account to be cancelled, fill in the Application Form for Account Cancellation, and submit the ID card, Guangfa Credit Card and the application form to the staff. After receiving the application, the staff will handle the marketing card.
Account cancellation through online banking: open official website of China Guangfa Bank, log in to the personal account center, select the credit card business, then cancel the account, fill in the relevant information according to the process, and finally fill in the account cancellation reason and submit the account cancellation application. Just wait for the bank to process the application.
If the unused card is confirmed to have no debt or deposit, it should be cancelled in time.
How to cancel the credit card of Guangfa Bank?
There are several common ways for China Guangfa Bank to cancel its credit card account:
1. Cancellation of business outlets of Guangfa Bank: You can cancel at any outlet of Guangfa Bank with your credit card and ID card. This is the safest way to cancel your credit card.
2. You can cancel your credit card by calling the official customer service number of Guangfa Bank: call the toll-free customer service number of Guangfa 95508, and press 1-0 to receive the manual service. Please ask Guangfa customer service to help you cancel. This way of canceling credit cards is more convenient and faster.
First of all, the steps of telephone cancellation are as follows
1. Check whether there is any debt first-you can follow Guangfa Credit Card through WeChat and click on my card-you can see the bill information on my bill. If you owe money, you must repay your credit card before you can cancel it.
2. Turn on your mobile phone and call the 24-hour customer service hotline on the back of Guangfa Credit Card: 95508. After dialing the number, enter the 6-digit telephone service password as prompted, and then press the manual service to tell the customer service about the Guangfa credit card you want to cancel. The general customer service will ask you the reason for canceling this card. After the reply, the customer service will register and cancel your credit card. Please cut the card from the chip after cancellation.
Matters needing attention for credit card cancellation of Guangfa Bank:
1, credit card cancellation is divided into card cancellation and account cancellation. Generally, cardholders only need to cancel their credit cards, not their accounts. The cancellation of credit card will have an impact on the application for credit card of this bank in the future;
2. If there are points left in the credit card that need to be cancelled, it is recommended to exchange them all. If you really can't redeem it, you can also transfer it to other credit cards of your peers. If there is no other credit card, the cardholder can still import points into the new credit card without canceling the cardholder's account.
3. After submitting the application for cancellation of credit card, the credit card holder shall not use the credit card again before the credit card takes effect. If you use it halfway, the credit card cancellation application will be automatically revoked;
4. The credit card may still be stolen after cancellation, so the cardholder needs to cut off the magnetic stripe of the credit card and discard it after formal cancellation.
Extended data:
Card Issuing: After the applicant successfully applies for a credit card, the card issuing bank will open a separate credit card account for the cardholder at the card issuing bank for shopping, consumption and settlement after cash withdrawal.
Card opening: Since the card is mailed 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 being stolen, credit cards have card opening procedures before they are officially opened. Card opening is mainly through telephone or internet. , check the relevant personal information provided at the time of application, and go through the card opening procedures after meeting the requirements. At this time, the applicant becomes the cardholder and can officially start using it after signing on the back of the card.
Identification: The credit card has at least the following information on its surface.
Front: name and logo of the issuing bank, credit card type (organization logo) and holographic anti-counterfeiting logo, English or pinyin name, activation date (generally calculated to month) and effective date (generally calculated to month). The chip is attached to the front of the newly issued card, and the chip account and the card magnetic stripe account are two relatively independent accounts.
Back: card magnetic stripe, cardholder's signature column (which must be signed after activation), service hotline, the last four digits or all (to prevent fraudulent use), and credit card security code (the last four digits of the signature column on the back of credit card are used for credit card activation, password management, TV, telephone and online transactions, etc. ).
Authorization: the merchant and the bank confirm that the credit card is valid, and contact the bank to request authorization according to the contract signed with the issuing bank. Authorization is the amount that can be used to further prove the identity of the cardholder. Authorization is generally carried out when the usage specified in the contract is exceeded. After receiving the authorization notice, the issuing bank will issue an authorization instruction according to the balance of the cardholder's deposit account and the agreement that the bank allows overdraft, and reply whether to agree to the transaction.
Uses: Credit cards are usually limited to the cardholder's own use, and lending them to others is generally a violation of the use contract.
Cancel the card: Before canceling the credit card, the account balance must be settled, and the whole card cancellation process should be completed within 45 days after the application.
CGB Credit Card Customer Agreement (Personal Card) -CGB official website
How to cancel the cancellation of Guangfa Credit Card?
Credit Card Account Cancellation Process of Guangfa Bank
1. According to the regulations of Guangfa Bank, when the credit card of Guangfa Bank is cancelled, there can be no arrears in the credit card account; If there are outstanding debts, the cardholder needs to pay them before cancellation. Therefore, the credit card of Guangfa Bank needs to be repaid before it is cancelled. Similarly, if there is any overpayment left in the credit card, the cardholder needs to withdraw all the overpayment before canceling it.
2. In order to ensure the security of the account, the card must be with the cardholder when it is cancelled by telephone. If the credit card has been lost, the cardholder needs to report the loss before canceling the card. It should be noted here that there is usually a handling fee for reporting the loss of bank credit cards; If you don't report the loss, you can't cancel it directly. If it is cancelled in time, it is also in danger of being stolen, and the loss of stolen brush shall be borne by the cardholder.
3. To cancel the credit card of Guangfa Bank, you can directly call the customer service telephone number 95508 of Guangfa Bank, and you can cancel the credit card without going to the branch of Guangfa Bank in person to explain the intention of canceling the credit card to the customer service.
4. After receiving the cardholder's application for card cancellation, Guangfa Bank will review the cardholder's credit card status within a period of time, including whether there are arrears and overpayments. If there are no special circumstances, the general bank will officially cancel the credit card of the cardholder within one month to one and a half months.
To sum up, the above three methods are commonly used cancellation methods. Under normal circumstances, the cancellation of GDB card is actually very simple, and the cardholder can directly cancel the account after confirming that there is no debt. After the credit card is cancelled, the cardholder's information is still in the bank, but this credit card cannot be used.
How to cancel the credit card of Guangfa Bank?
Whether the credit card of Guangfa Bank is activated or not, it can be cancelled through the following channels:
1, customer service phone number
Call the customer service telephone number 95508 of Guangfa Bank directly to apply for account cancellation;
2. Bank counter
Bring your valid ID card and credit card to the counter of any branch of Guangfa Bank for cancellation.
In addition, before canceling the credit card, it should be noted that there can be no deposits or arrears in the card, especially the activated credit card, and the hidden annual fee should be taken into account. Also, after canceling the credit card, cut off the magnetic stripe of the card to prevent others from stealing the card.
If customers need to cancel the credit card of Guangfa Bank, they can directly call the customer service hotline of Guangfa Bank at 95508 or the credit card hotline at 400-830-8003, press the "0" key to switch to manual service, and then apply to the customer service staff for card cancellation. The customer service staff verified the customer's identity information and confirmed that I put forward the application for returning the card, which will naturally help the customer return the card.
Once the card is cancelled, stop using it immediately and cannot be reopened. Therefore, customers must carefully consider. If there is still a demand for use, it is not recommended to cancel it directly. As long as the card is well kept, it is no problem to use it temporarily.
It should also be noted that before canceling the card, it is necessary to confirm whether there are outstanding bill arrears, unrecorded transactions and redundant overpayments. If it exists, you need to pay off the bill arrears first, take out all the overpaid parts, and then apply for cancellation.
There is also the need to confirm whether the card is bound to other services. If yes, you must unbind the business before you can apply for card withdrawal, otherwise you cannot successfully withdraw the card.
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Credit Card Account Cancellation Process of Guangfa Bank
There are two ways to cancel a credit card account of Guangfa Bank:
1, customer service phone number
Cardholders can directly call the customer service telephone number of Guangfa Bank at 400-830-8003 or 95508, and apply for account cancellation through manual service after verifying their identity.
2. Counter of bank outlets
Bring your valid ID card and credit card and go through the cancellation procedures at the counter of any bank branch.
Need to be reminded that before canceling the credit card of Guangfa Bank, you must ensure that there are no deposits and debts in the card; Cut the magnetic stripe of the card as soon as possible after cancellation to prevent theft.
Once the card is cancelled, stop using it immediately and cannot be reopened. Therefore, customers must carefully consider. If there is still a demand for use, it is not recommended to cancel it directly. As long as the card is well kept, it is no problem to use it temporarily.
It should also be noted that before canceling the card, it is necessary to confirm whether there are outstanding bill arrears, unrecorded transactions and redundant overpayments. If it exists, you need to pay off the bill arrears first, take out all the overpaid parts, and then apply for cancellation.
There is also the need to confirm whether the card is bound to other services. If yes, you must unbind the business before you can apply for card withdrawal, otherwise you cannot successfully withdraw the card.
This is the end of the introduction about the cancellation of Guangfa Credit Card and how long it can be re-applied after cancellation. I wonder if you have found the information you need?