Do I have to cancel my credit card at the bank?
1. What is a credit card bank?
The so-called bank refers to the business outlets that handle credit card account opening procedures, usually referring to branches.
The form of expression is so-and-so bank+so-and-so branch+so-and-so branch. If you forget where the bank is, you can call the service hotline of the issuing bank for consultation.
Do I have to cancel my credit card at the bank?
Every bank has different rules. Some banks can cancel their credit cards as long as they are in branch outlets, but some banks may have to ask you to go to the bank to cancel them. The best way is to call the service phone of the issuing bank to consult customer service.
However, the credit card cancellation method is not limited to the counter. You can also apply for cancellation by phone. If the customer service calls to cancel at the bank, you can ask if you can cancel by phone. This should be no problem, as long as your credit card has no arrears and no balance, the customer will call to cancel your card after verifying your identity information.
The above is "Do I need to go to the bank to cancel my credit card?" I hope it helps you. It should be noted that it takes 45 days for the credit card to be officially cancelled. You'd better call the customer service of the credit card center 46 days later to confirm whether the credit card has been cancelled successfully, so as to avoid leaving a bad record because you don't know for special reasons.
If you don't intend to continue using credit cards, you must do so. If the account is not closed, the bank will charge an annual fee for the credit card.
If the card is not overdrawn, you can apply for account cancellation at any time.
If your card has not expired, you need to apply first, and then go to the bank to cancel your account after a certain period of time;
If the card has expired and the account balance is zero, you can directly cancel the account at the designated bank outlet.
When closing the account, you should bring your valid ID card and the original card. If it's not convenient for me to close the account, someone else can help you. The agent must hold the power of attorney written by the principal (himself) and bring the original valid identity certificate to handle the account cancellation business.
If your card has not expired when you cancel your credit card account, some banks stipulate that you need to go to the designated outlets to receive the card, and then go through the formal account cancellation procedures after a certain period of time (up to 30 days). This is mainly because if the cardholder has done a manual card pressing transaction before closing the account, the cardholder will have closed the account before the merchant submits the card pressing form to the bank for entry, and the bank will not be able to liquidate normally; On the other hand, if the cardholder is in consumption abroad or withdraws cash, it may take several days to settle the account. If the account is closed immediately, it will also affect the normal liquidation of the bank.