How to cancel the credit card

There are two ways to cancel the credit card:

1. Cancel the card at the outlet, and bring your credit card and ID card to the bank outlet to apply for card cancellation.

2. Call the customer service phone of the bank to cancel the card, and remember to cut the card after the card is cancelled.

The credit card can be cancelled under the following circumstances:

1. The applicant has not received the credit card. The applicant has just applied online, and the bank has not been in a hurry to send a card or apply through the agency channel. The salesman didn't submit the information. At this point, the cardholder can call the customer service center of the card issuing office and propose to cancel the credit card application. In this case, the cancellation of credit cards has little effect on individuals.

2. The applicant has received an invalid credit card. For a new credit card, 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 issuance. If it is not activated for more than a specified time, the credit card will automatically expire.

3. Credit card in use. You must be prepared before you cancel your credit card. First of all, you need to pay off all the debts of your credit card. If you save more money, you should also spend it. Make sure that there is no more than a penny in your credit card account, and then call customer service according to the voice prompt to manually apply for canceling the credit card reservation. After the next billing date, if your account is flat, that is, not much, not much, then your credit card can be cancelled. Or you can cancel at the counter and bring the necessary certificates, ID cards, credit cards and cash. Explain the situation truthfully to the staff.

Main functions of credit card:

1. Credit card is one of the fastest growing financial businesses. It is an electronic currency that can replace the traditional cash flow to some extent;

2. Credit cards have both payment and credit functions. Cardholders can buy goods or enjoy services, or use credit cards to obtain certain loans from card issuers;

3. Credit card is a high-tech product that combines financial business with computer technology.

4. Credit cards can reduce the use of cash and money;

5. Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;

6. Credit cards can simplify the collection procedures and save social labor;

7. Credit cards can promote commodity sales and meet social needs.

what if I don't want the credit card I applied for? You can cancel by these methods

Many people are always hesitant to apply for a credit card. After applying, they are always wondering whether it is necessary to apply for a card. Some people even don't want it after submitting an application, so they have to cancel the credit card they applied for. So, what should I do if I don't want it after applying for a credit card? Let's take a look at it.

how can I cancel my credit card if I don't want it after I apply?

Actually, there is a way to get rid of the credit card application. However, if you know the progress of the credit card application clearly, it is suggested that you can check the approval status of the credit card through credit card official website and WeChat WeChat official account, and then take corresponding measures, as follows:

1. Being audited:

If you find that the application progress of the credit card is under review, you can call the 24-hour service hotline of the issuing bank with the mobile phone number reserved when you apply for the card.

2. Approval passed:

This situation indicates that the card has been approved successfully and cannot be cancelled. If you really don't want a credit card, you can directly call the service hotline of the issuing bank to manually cancel the card after receiving the credit card. Before you cancel the card, you should know clearly the accounting situation of the credit card. If the credit card is not opened and the fee is deducted, you must settle the payable account before you can cancel the card.

3. Face-to-face signing:

This situation only passed the preliminary review, and the final review is required after face-to-face signing. Usually, credit card face-to-face signing has a specified time limit, which is specified in the short message sent. If you don't want a credit card, you don't need to go to face-to-face signing. If you don't face-to-face signing within the specified time, the system will automatically end the credit card application.

4. Rejected approval:

If the credit card approval fails, the application will be automatically ended, and you don't need to cancel it yourself.

The above is the related introduction of "What should I do if I don't want the applied credit?" I hope it will help you. In short, if you don't want a credit card after applying, you can check the progress of the next card and take different cancellation methods according to the card approval status.

How to cancel the credit card application

There are two ways to cancel the credit card application: 1. If you want to cancel the online application of the credit card, if you don't go to the outlet for confirmation, the card application will be automatically rejected after 45 days, and you don't need to go to the outlet to apply for cancellation. 2. If you have gone through the confirmation formalities at the counter, you need to go to the bank counter.

it should be noted that the cancellation method should be selected according to the credit card approval. The bank's review of credit cards is a key point. When the credit cards have not passed the review, the bank can be notified to cancel the application. If the credit card has passed the examination, it must be cancelled by other means.

in the case that the credit card has not been approved, the applicant can call the credit card center of the card-issuing bank and ask the customer service staff to cancel the application for credit card processing. Or go directly to the business outlet of the card-issuing bank and apply to the counter staff at the counter to cancel the card application. If the counter staff can't handle the business, they can seek more solutions from the bank manager.

if the bank has completed the qualification review of the user when the user needs to cancel the credit card, and the review has passed, it cannot be cancelled in this case. Because once approved, the user will create a credit file in the system of the bank applying for a credit card, and the file cannot be deleted.

in this case, if you don't want to continue using the bank's credit card, then the solution is to apply to the card-issuing bank for cancellation of the card. Before canceling the credit card, you should pay the corresponding fees or go through the corresponding procedures in accordance with the regulations of the card bank. If the credit card is cancelled after it has been applied for, it will affect the personal credit record and the success rate of applying for a credit card next time will be reduced.

How to cancel a credit card?

There are ways to cancel a credit card account cancellation:

1. Customer service telephone handling:

The cardholder can call the customer service telephone number of the credit card center of the issuing bank on the card, and then transfer the manual service according to the voice prompt, and then apply to the staff for canceling the credit card account cancellation. The staff will generally ask the cardholder to provide ID number, credit card, cvv2 code, etc. After the cardholder provides them one by one, they can pass.

2. Counter handling at bank outlets:

Cardholders can bring their ID cards and credit cards to the counter of the issuing bank's business outlets and apply to the staff to cancel their credit card accounts. Then, the cardholder fills in the application form as required, and submits personal data one by one, waiting for the staff to review, and the business can be handled after the review is passed.

Credit cards do not need the cancellation process:

1. Confirm the balance. Determine the remaining arrears and balances, accurate to the minute.

2. Destroy the card and unbind the payment and withholding agreement of the payment platform. Note: Don't add new consumption. At this time, we should check the previous binding records on platforms such as Alipay, WeChat, Meituan, mobile phone automatic recharge or water and electricity withholding, and immediately unbind them to avoid new consumption.

3. Call customer service to confirm the result. The credit card cancellation period is 45 days. After the time, call the bank customer service to confirm whether the card cancellation is successful.

4. Card cancellation does not mean account cancellation. If it is determined that it is not needed, it is best to cancel the card and cancel the account at the same time. If you only cancel your card, you will not be able to enjoy the treatment and preferential treatment of new customers if you apply for a credit card from the same bank next time, and you can avoid this problem by canceling your account.

It should be noted that the cancellation of a credit card does not mean the cancellation of the account:

According to the Administrative Measures on Customer Identification and Customer Identity Data and Transaction Records of Financial Institutions, the bank account information will be kept for at least 5 years from the year when the transaction is recorded. Therefore, after the credit card is cancelled, the account still exists, and customers can also check the transaction record of this credit card if necessary.

for customers, if it is planned to cancel the card, it is best to set aside time for card cancellation before the next annual fee is charged, so as to avoid paying an extra annual fee for one year.

In addition, card cancellation is not the same as account cancellation. Some banks will still keep customer information after card cancellation, while account cancellation will delete all customer information. Therefore, it is recommended that cardholders cancel their accounts at the same time as card cancellation, which can not only protect personal information security, but also enjoy the preferential treatment of new customers when they apply for new credit cards in this bank in the future.

how to cancel if you apply for a credit card and don't want it

The cancellation process of the credit card is different in different states

1. Under review: If you find that the application progress of the credit card is under review, you can call the 24-hour service hotline of the issuing bank with the mobile phone number reserved when you apply for the card, transfer the manual service, and ask the customer service to cancel the credit card application, but whether you can cancel it or not is subject to the final result.

2. Approved: This situation indicates that the card has been approved successfully and cannot be cancelled. If you really don't want a credit card, you can directly call the service hotline of the issuing bank to manually cancel the card after receiving the credit card. Before you cancel the card, you should know clearly the accounting situation of the credit card. If the credit card is not opened and the fee is deducted, you must settle the payable account before you can cancel the card.

3. Face-to-face signing: This situation only passes the preliminary review, and the final review is required after face-to-face signing. Usually, credit card face-to-face signing has a specified time limit, which is specified in the short message sent. If you don't want a credit card, you don't need to go to face-to-face signing. If you don't face-to-face signing within the specified time, the system will automatically end the credit card application.

4. Rejected approval: if the credit card fails to pass the approval, the application will be automatically ended. In this case, you don't need to cancel it yourself.

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

1. Cancelling a credit card

Cancelling a credit card only disables your card, which, as the name implies, can't be used normally. Many people leave it alone after canceling the card, and some throw it aside. However, after someone picks up your card, the criminals will use your magnetic stripe information to reissue the card and then use it for consumption. I don't realize that the bank will inform you to repay after the credit card bill comes out. At this time, I will bring myself overdue risks and unnecessary troubles if I don't pay attention! However, when you cancel your credit card and apply for a credit card again, the bank can't treat you as a new user.

2. Credit card account cancellation

Credit card account cancellation means that the credit card information account of the bank where the individual is located is completely deleted, the system does not have all your information, and the card requires you to cut off the magnetic stripe with scissors. If you apply for a card again, you can enjoy it as a new user. Some banks hold grudges when closing accounts. Remember to think twice about closing accounts.

Let's stop here for the introduction of how to cancel a credit card.