The new consumption model of “consume first, repay later” is popular among young people and even middle-aged people. Many friends have multiple credit cards, so they often worry about confusing repayment dates and causing overdue payments. In fact, many people only have two or three commonly used credit cards. Different credit cards have different rules for charging annual fees, so those credit cards that are not commonly used and put on hold must be properly handled. I suggest that you choose to cancel these credit cards that are not in use.

So how to cancel a credit card correctly?

1. Call the customer service number to cancel the credit card

To cancel the credit card, call the customer service number of the bank where the credit card is located. The bank customer service may ask you to provide some ID numbers, home phone numbers, etc. that you have previously Registered information, after using this information to confirm that you are yourself, the bank will pass the user's credit card cancellation application.

2. Go to the bank counter to cancel the credit card

To go to the counter, the cardholder needs to bring his or her ID card and the credit card to be canceled, and fill in the application form after going to the bank. The general cancellation cycle is about forty-five days. Therefore, after forty-five days, the cardholder should proactively call the bank to confirm whether the credit card has been successfully canceled to avoid unnecessary trouble. To be on the safe side, after successful cancellation, the cardholder should use scissors to cut along the magnetic strip of the credit card. Prevent credit cards from being lost or stolen.

In addition, it should be noted that before canceling a credit card, you should carefully check whether your card has unpaid debts and whether there is a balance. The debt must be paid off in full before it can be cancelled.

3. Cancel the card and then cancel the account

There is a more thorough way, which is to cancel the card and then cancel the account. Card cancellation means canceling a certain credit card, while account cancellation means canceling all credit cards under a certain bank's name. Account cancellation is more thorough. After account cancellation, all the cardholder's information will disappear and the credit card will be completely invalid. This can avoid unnecessary losses.

The above is the method I have summarized for you on "how to correctly cancel a credit card". I hope you can use credit cards with caution and cancel them in time if you don't want to use them.