How to cancel a Bank of Communications credit card and teach you the three steps to cancel it

1. Call the Bank of Communications credit card phone number

2. Make a request to cancel the Bank of Communications credit card

3. Cancellation of Bank of Communications credit card is completely free

1. Call the Bank of Communications credit card phone number, transfer to manual service, and contact the customer service staff of the Bank of Communications Credit Card Center.

2. Make a request to cancel your Bank of Communications credit card. Customer service staff will handle the cancellation procedures for you after verifying your identity. All processes can be completed over the phone without going to a Bank of Communications branch.

3. Note: It is completely free to cancel a Bank of Communications credit card without any cancellation fees.

How to cancel Bank of Communications credit card?

Bank of Communications is one of the six largest banks in China and one of the important financial service providers in my country. Bank of Communications has many types of credit card products, including platinum credit cards and standard credit cards. Bank of Communications has also cooperated with many merchants to launch Bank of Communications Jinjiang Credit Card, Bank of Communications Suning Credit Card, Bank of Communications Walmart Credit Card, etc. There is an annual fee for buying a credit card, so you need to cancel it if you are not using it. There are three ways to cancel Bank of Communications credit cards. Next, these three methods will be described in detail.

The first method is to go directly to a Bank of Communications branch to cancel. As long as you bring your identity document and Bank of Communications credit card, fill in the relevant information at the counter and submit it, the cancellation can be completed.

The second method is to directly call the customer service hotline of Bank of Communications to cancel. To cancel a Bank of Communications credit card, you can call the Bank of Communications credit card phone number 4008009888, and then transfer to manual service to submit an application for cancellation of the Bank of Communications credit card to the telephone customer service staff. The customer service staff can handle the cancellation procedures after verifying the customer's identity. All processes can be completed over the phone. .

The third method is the online cancellation process of Bank of Communications credit card. Download the official Bank of Communications Credit Card APP on your mobile phone, then log in to the credit card APP correctly and find it in the My interface. After logging in to the Bank of Communications Credit Card, find the My Customer Service interface in the upper right corner, and cancel the credit card through online customer service. Directly enter credit card cancellation in the information bar of the online customer service, and then follow the pop-up prompts to complete the credit card cancellation operation.

There are several points that need to be noted when canceling a credit card. First, before canceling a Bank of Communications credit card, there must not be any arrears or balance in the credit card account, otherwise the application for credit card cancellation will fail. Second, if you have an unactivated Bank of Communications credit card in your hand, you need to cancel it immediately. Both activated and inactive credit cards will be charged a certain annual fee. If you do not want to have a credit card, you must cancel it to avoid inconvenience. necessary losses.

Bank of Communications Credit Card Cancellation Process

Bank of Communications Credit Card Cancellation Method:

Method 1: Call the Bank of Communications Credit Card customer service hotline: 8009888888, transfer to manual service, and contact Bank of Communications Credit Card The customer service staff of the center made an application to cancel the Bank of Communications credit card.

Method 2: Go to the Bank of Communications branch to find an account manager to complete the procedures. The cardholder is required to fill out a "Bank Card Account Cancellation Application Form". After filling it out, the counter will stamp it to verify the identity and keep it on file. The bank will give you a receipt, and the bank will conduct various loan verifications to confirm that you have not After the balance is owed (including handling fees, etc.), it will take about 7 days to destroy the account, clear the record, and cancel the credit card.

The difference between credit card account cancellation and card cancellation

1. The number of cancellations is different. Credit card cancellation only cancels the current card. If it is a non-main card cancellation, it will not affect the use of other cards. Credit card account cancellation means canceling all credit cards under the same account, for example, canceling all secondary cards under the primary card.

2. Different meanings. Canceling a credit card does not clear the credit card account information. Canceling a credit card directly deletes the account and clears the points, bills and other information on the card.

3. The card can be restored after canceling it.

If you choose to cancel the credit card, because the account is retained, the credit card can be restored after cancellation. If you choose to cancel your credit card account, you will be deleting your account directly, so your credit card cannot be restored after cancellation.

If the cardholder wants to cancel the credit card, he can call the bank's customer service number and then transfer to manual service, or he can cancel the card at a bank branch.

The two concepts are completely different

(1)

1. After the credit card is canceled, your information is still stored in the bank, but this credit card cannot By using it, you are still an old customer of the bank.

2. After the account is closed, all your information except bad information on the bank will be cleared. If you are an old customer, you will become a new customer after the account is closed.

If you will still do business with this bank in the future, it is recommended to go through the card cancellation procedures; if you no longer use the bank's business in the future, you can go through the account cancellation procedures.

(2) Credit card cancellation and account cancellation may seem similar, but they are actually two completely different concepts. Because the meaning of card cancellation is that you have canceled a credit card in a certain bank, but it is possible that you still have other credit cards in this bank. In other words, the bank will still retain all the account opening information for you. This situation is called card cancellation.

But account cancellation is different. Canceling an account means that you have to cancel all credit cards in a certain bank, and you will also cancel your personal account. This bank will delete all your personal information after closing the account, which means that if you want to apply for a new credit card, you need to fill out all the procedures again. Of course, if you have bad records such as overdue credit on your credit card, it will be recorded even if the account is closed.

This is the end of the introduction on how to cancel a credit card by the Bank of Communications and how to cancel a credit card by the Bank of Communications. I wonder if you found the information you need?