I resigned due to personal reasons. Do I need to cancel the credit card I had at my original company (the salary card handled by the company)? Is it okay not to cancel it?

If the China Merchants Bank All-in-One Card is not used for a long time, it is recommended to cancel the account. The account cancellation method is as follows:

1. Counter: You need to bring your card and valid documents to any branch of China Merchants Bank for processing. The withdrawal method needs to be verified. If you need to transfer funds out of the account after closing, you need to provide the all-in-one card or all-in-one card account number for the funds to go to.

Over-the-counter account cancellation can be handled by an agent, except if there are agreements or functions in the account that require the customer to cancel or close the account in person, such as a third-party custody agreement, a foreign exchange purchase and sale agreement, etc.

Private diamond cards must be applied for at any private banking center or wealth management center.

2. Professional version: If you have applied for the professional version of UKEY at the counter, please log in to the professional version on your computer, click "All-in-one card → Account management → Card management → All-in-one card cancellation" to try to cancel the account ( If you do not meet the conditions, you need to handle it at the counter).

(Response time: January 1, 2020. For the latest business changes, please refer to the official website of China Merchants Bank)

Can the credit card issued by the original employer still be used after leaving the company?

Some cardholders want to change jobs at the end of the year, but are afraid that the credit cards issued by their original employer will no longer be usable after they leave. In fact, there is no need to worry at all. As long as you get the credit card you applied for before leaving your job, you can use it normally. However, remember to use the card in a standardized manner, otherwise the bank will block the card and you will be unable to use it.

In addition, in the process of using the card, everyone must master some skills so that they can use the credit card at the most economical cost.

For details, please refer to the following points:

1. Use more cards and withdraw less cash. Cash withdrawals with credit cards do not enjoy the interest-free period like overdrafts. Using credit cards to withdraw cash not only requires a handling fee, but also accrues interest at an expected annualized interest rate of 0.5% per day. For cardholders who have resigned, this is quite a deal. Not a good deal. Therefore, never overdraft to withdraw cash unless absolutely necessary.

2. Pay attention to the credit card swiping time. It is recommended that you swipe your card one day after the bill date to enjoy the longest interest-free period. Assume that your credit card bill date is the 23rd of each month and the final payment date is the 10th of each month. If you make a purchase on December 24th, the bill will not be issued until January 23rd, and the payment will be made before February 10th.

3. It is best to repay the loan in full at once. After using a credit card for consumption, you must repay before the end of the final payment date, otherwise it will be considered overdue. When repaying, it is best to pay it back in one go, so that you can enjoy the interest-free period. Of course, you cannot repay in full, but you can Choose installment repayment, and do not repay the final payment amount unless absolutely necessary.

4. Don’t overpay. Many cardholders always like to pay more when repaying, which will result in overpayment. It is easy to deposit the overpayment but difficult to withdraw it. Many banks stipulate that you must pay a handling fee, so there is no interest on such deposits. The act of charging for cash withdrawals is still quite uneconomical.

5. The annual fee is waived based on the number of card swipes. Credit cards all have annual fees, but many banks' regular and gold cards can reduce the annual fee based on the number of card swipes, so everyone must understand the number of annual fee-free swipes on the credit card you hold, whether you are leaving your job or While working, try to avoid expenses that can be avoided.

6. Save points and redeem gifts. In order to encourage customers to use the card, banks will calculate points based on the customer's consumption amount, and the points can be exchanged for gifts or used to offset consumption. So when you usually shop, swipe your credit card wherever you can swipe your credit card (regular merchants), and accumulate points to redeem gifts!

7. Rational staging. Many banks provide customers with installment payment services, ranging from 3, 6, 12, and 24, to provide convenience for everyone to spend in advance. However, installment payment will incur additional fees, so if you don’t want to pay the handling fee, try not to choose installment payment if you can afford the consumption.

Can I apply for a credit card if I use my work ID card that I no longer work there?

It’s not easy to pass. If you don’t call your credit card, it will be fine. If the bank calls and says you have resigned, it will have an impact on your subsequent card application

Resigned employment card credit card Let’s stop talking about the introduction here.