Why can't I cancel my first credit card?
In fact, it is not absolute that the first credit card cannot be cancelled. If there is only one credit card in a bank, it is best not to cancel it, especially if you have not opened a card.
Because the cancellation will also be recorded in the credit information system, which will affect the replacement of credit cards in this bank. After all, issuing bank cards costs money. At least 200 yuan is required for each card. If the first card is not used, it will be cancelled. Waste of bank resources, bank costs can not be recovered, will improve the audit requirements for the second card, will not easily approve the card.
It doesn't matter much if you have already done two or three cards and cancelled the first card. Now many banks limit the number of cards held by the same bank. In addition, multiple credit cards are not conducive to management. Some need to repay separately, and it is very troublesome to return the wrong card. If the first card amount is low and the rights and interests are average, it can be cancelled.
So, how to cancel the credit card?
There are two things to confirm before canceling. One is whether this card is overdue, and the other is the amount in the card.
1. If there is an overdue credit card, although the arrears have been paid off, it cannot be cancelled. Otherwise, no new repayment record will be generated after cancellation, and overdue records will always exist.
2. There are requirements for the credit limit in the card, that is, how much the bank gives, how much the credit card must have before it can be cancelled, and neither more nor less can it be cancelled. After calling to apply for cancellation, you need to pay attention to it for 45 days. During this period, it is confirmed that there is no arrears and balance, and it will be officially cancelled on the 46th day.