A large part of the bank's performance comes from credit cards. Recommending users to apply for credit cards can not only increase income, but also increase users' stickiness. Therefore, bank staff will actively recommend users to apply for credit cards. In addition, the staff of the bank will have the index of handling cards every month. In order to achieve the target, workers will also actively recommend users to apply for cards.

Whether users need to apply for a card depends on their own needs. Without the demand for credit cards, users do not need to apply for credit cards. .

Before using the card to cancel, you need to pay off the arrears, settle the annual fee and withdraw the balance. When the savings card is cancelled at the counter, the balance can be taken out.

Pay attention before canceling your credit card. If there are overdue records in the credit history, it is not recommended to cancel. If you cancel at this time, the overdue records will be kept for a long time. It is recommended to keep a good repayment habit and apply for cancellation after the overdue records are overwritten.

Different types of bank cards have different ways to cancel accounts: debit cards:

Debit card cancellation can be voluntarily cancelled or automatically cancelled by the bank. You need to bring your ID card, bank card and other related information to the bank outlet to cancel it yourself. In the case of automatic cancellation of the bank, you need to empty the bank card balance yourself. Generally, when there is a bank card that has not been used for a long time and has a small balance, the bank will automatically cancel the account.

Credit card:

Credit card cancellation can take two ways: customer service phone cancellation and bank outlet cancellation. In the case of telephone cancellation, the user can call the customer service hotline of the credit card and ask the customer service to help cancel. In the case of counter cancellation, users need to bring ID cards, credit cards and other related materials directly to the credit card issuing bank outlets.

Process:

First of all, if the bank card is a debit card, there is no need to cancel it. When there is no money in the card, the bank card will go to sleep, and the system will automatically cancel the bank card after a while.

If you must cancel your card, you can only cancel it at the bank counter in person. You need to take your ID card to the account opening place to cancel. Remember to go to the account opening place. It is impossible to do it in a different place.

If it's a credit card, because it can be overdrawn, it's best to take it to the bank for cancellation if it's not used. The money in the credit card has no interest.

Pay attention before canceling your credit card. If there are overdue records in the credit history, it is not recommended to cancel. If you cancel at this time, the overdue records will be kept for a long time. It is recommended to keep a good repayment habit and apply for cancellation after the overdue records are overwritten.