In real life, card friends often have multiple credit cards, and some have several in the same bank. The first credit card will be low and the second credit card will be high, so they plan to cancel the first card.

The first credit card can actually be cancelled. The specific method is:

1. Bring valid ID and bank card to the local bank;

Second, go to the bank to get the reservation number and queue up;

Third, explain to the staff that you want to close the account and fill in the relevant application;

Fourth, hand over the bank card to the bank staff and submit relevant materials;

5. The cancellation of the bank card is completed.

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.

Why can't I cancel my credit card after it expires?

Now the version of credit reporting is the second generation of credit reporting, which is much higher than the first generation of credit reporting. Among them, the repayment records of the past five years have been added, and the monthly repayment records will be displayed, including the repayment amount, the amount owed and so on. This also means that the credit card will be returned after it is overdue. If it is cancelled, the overdue record of the credit card can still be found.

What is important is that if the credit card is cancelled and can no longer be used, there will be no new record to cover the overdue record, so the overdue record will remain in the credit report forever. After ten or twenty years, you can still find it when you check your credit, which is equivalent to a black account forever.

Therefore, the correct way to cancel the credit card after it is overdue is not to rush to cancel it after repayment. Instead, call customer service to ask if the credit card is normal and see if it can still be used. If you can, you must continue to use the credit card, even if the credit card limit drops to only one yuan, you will have to spend the money in the card.

Only in this way can we generate new credit records and gradually cover overdue records. Although it will take five years to eliminate bad records, the impact will be much smaller. As long as it is not overdue, there is still a chance of success in applying for credit cards and loans in the future.

In short, the credit card must not be cancelled after it is overdue, but it must continue to be used for at least 2 years before it has the opportunity to resume credit reporting; Otherwise, overdue records will be frozen after cancellation, and credit information cannot be recovered.

Extended data:

New rules for overdue credit cards:

Regarding the new regulations on overdue credit cards, customers need to pay attention to the following points:

1. Credit card default compensation replaces late payment fee:

When the cardholder fails to repay the credit card on the due repayment date or the repayment amount is lower than the minimum repayment amount, a penalty of 5% of the unpaid part of the minimum repayment amount will be charged each time, and the minimum or maximum charge will be determined by the bank. For example, CCB sets the minimum 5 yuan, 1 USD, 1 Euro.

2. The sentencing standards have changed:

In the past, if the credit card was overdue and was suspected of malicious overdraft, the amount was more than 1 10,000 yuan (less than110,000 yuan), it would be considered as "a large amount" as stipulated in the criminal law; If the amount is more than100000 yuan (less than1000000 yuan), it is deemed as "huge amount" as stipulated in the criminal law; The amount is more than one million yuan, which belongs to the "extremely huge amount" stipulated in the criminal law.

The Supreme People's Procuratorate and the Supreme People's Law amended it as follows: if the amount of a credit card is more than 50,000 yuan (less than 500,000 yuan), it will be considered as a "large amount" as stipulated in the Criminal Law; If the amount is more than 500,000 yuan (less than 5 million yuan), it is deemed as "a huge amount" as stipulated in the Criminal Law; The amount is more than 5 million yuan, which belongs to the "extremely huge amount" stipulated in the criminal law.

Credit card overdue negotiation skills:

After the deadline, you should take the initiative to contact the bank as soon as possible, and at the same time submit materials to prove your lack of repayment ability, and finally show your willingness to repay. If the user has a good attitude and is overdue for special reasons, the bank will consider agreeing to the user's negotiation repayment request as appropriate.

How to talk about the relief of overdue credit cards;

If you want to reduce the interest after the credit card is overdue, you can apply to the issuing bank to stop payment. If the application is successful, the arrears will no longer generate interest and will naturally decrease. However, it should be noted that the interest generated by the previous arrears will not be exempted, and it is better to put it on the bill together with the principal. The customer needs to pay it off on time.

And even if the customer directly applies for interest-free, the bank will probably not agree. If the customer fails to pay for a while, he can try to extend the repayment period and repay the arrears in installments while applying for suspension of interest payment. In this regard, the bank will consider it as appropriate.

As long as the customer does not intentionally repay, but does not have the repayment ability, the bank may agree, and then the customer can repay in installments according to the repayment plan newly negotiated with the bank.

Why can't I cancel my first credit card?

It is not absolute that the first credit card cannot be cancelled. If a bank has only one credit card, it is best not to cancel it, especially if it has not been issued. Because the cancellation will also be recorded in the credit information system, which will affect the replacement of credit cards in this bank.

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.

Let's talk about why credit cards can't be sealed.