how to cancel the credit card application under review?

1.

1. Call the customer service of the bank that applied for the credit card, and make it clear that you want to cancel it; Or when the customer service calls you to verify the information, tell you that the card is no longer needed and there is no need to continue the audit;

2. If the bank card has been approved, you should bring all the certificates to the bank counter to cancel the card even if it is not activated.

2. CreditCard related contents

1. Credit card (English: credit card), also called debit card. It is a non-cash transaction payment method and a simple credit service. Credit card is generally a special carrier plastic card with consumer credit, which is 85.6mm long, 53.98mm wide and 1mm thick. It is issued by banks to individuals and units, whereby they can make purchases, spend money and deposit and withdraw cash from banks. The form is a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature on the back. Credit cards are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders don't need to pay cash when they use credit cards, and they will make repayment on the BillingDate. Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards issued by banks, which give cardholders a certain credit limit, and cardholders can spend first and then repay within the credit limit. Quasi-credit card refers to a quasi-credit card issued by a bank, where the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.

2. The earliest credit card appeared at the end of 19th century. In the 198s, the British clothing industry developed the so-called credit card, and the tourism and business sectors also followed this trend. However, at that time, the card could only be used for short-term commercial credit, and the money still had to be paid as needed, and there was no long-term default and no credit line. The word "credit card" was originally meant to refer to the financial product introduced in this post. However, because there was no credit card or even any savings card with credit card function in China before, the real credit card could only be called "debit card".

can I cancel the credit card review? how to cancel the credit card application

how to cancel the credit card under review? In fact, it is very simple, and you don't need to worry too much, because your cancellation of the application will not affect your personal credit information. Here's how to cancel the credit card being applied for.

First, cancel the application before receiving the card

Do card friends think that the bank's customer service hotline is very powerful, and they can call it once they encounter problems? Yes, if you submit a credit card application and don't want it for some reason, you can call the bank's customer service phone directly and ask to cancel the card. If the staff of the credit card service center asks you why, you can directly say that you don't need it.

In order not to lose customers easily, some bank staff are likely to lobby you with various temptations. At this time, you must be tough, and the cardholder has the right to cancel the card under review.

2. You haven't used the card since you received it

If the credit card has arrived in your hand and you haven't needed it for a long time, please don't activate the card. The card is not processed until it is activated. However, this situation may affect your credit. The bank will carefully consider your sincerity in applying for a card next time, and whether there will be any behavior of applying for a card instead of using it.

so after you receive the card, you can apply to the customer service staff of the bank for returning the card. Some banks have regulations that you need to open a card for consumption before you can return it. You need to ask the bank staff on the phone if there is such a regulation.

even if the credit card is already under review, you can apply for cancellation, and you need the cardholder to call the customer service hotline of the bank. Once you cancel your application, don't apply again in a short time.

How to cancel the credit card under review

How to cancel the credit card under application:

First, if it is not activated after application, it is equivalent to cancellation. Sequela is a possible bad record after the later period. Affect your re-application; After receiving the card, call the bank according to the customer service phone number on the card, choose the manual service directly according to the voice prompt, and put forward the reason why you want to return the card. If you are sure you don't want to, just tell the bank that you just want to return the card for no other reason, because this is the right of the card user. In addition, some cards need to be opened for consumption before they can be returned. Listen to the explanation of the manual staff whether there is such a requirement, otherwise they can be returned directly. I need to make a phone call.

Second, you must be tough when canceling the phone, because the service staff in the credit card service center often make good tempting conditions for you to give up canceling.

will canceling the credit card affect the personal credit report?

for credit cards with good credit information and no overdue records, there is no influence on the personal credit report records when there is no outstanding balance on the card. However, if the cardholder creates a bad credit record in the process of using the card, or if the card is not paid off when the card is cancelled, it will have an impact on the personal credit record.

for credit cards that have left bad records, it is impossible to cancel them and erase the bad records. The correct way is to continue to use the card correctly and cover the old bad records with new credit records in the future.

when you cancel a credit card, you must ensure that there is no debt in it, which means that all bank debts must be paid off. The meaning of this arrears includes not only the visible account, but also the annual fee and interest settled on the periodic settlement date.

If you only notice the former and ignore the latter, your card may be in arrears after cancellation. There may not be much arrears, but it will seriously affect your personal bank records and add a lot of unnecessary trouble to your new activities in the future. Therefore, you must ask clearly when canceling the card, and you must never leave a penny of debt.

finally, don't throw away your credit card after it is cancelled. Because in some places, only credit is needed, and there are some functions. Therefore, the cancelled credit card must cut the magnetic stripe and cut it into several sections and throw it in the trash can.

how to cancel the application for Shanghai Pudong Development Bank Credit Card

Shanghai Pudong Development Bank Credit Card Customer Service Phone 4-82-8788 or apply for cancellation at the outlet.

credit card application requires a series of processes, and you can apply for cancellation as long as the card is not available.

credit card application process:

1. Get the application form:

Ways:

① Call the application hotline to get the application form;

② apply for a credit card online;

③ Shanghai Pudong Development Bank will collect it at all its business outlets.

2. Fill in relevant personal data on the application form;

3. After confirming that the information filled in is correct, sign your name on the signature column;

4. Attach the required documents according to the prompts in the application form;

5. if you choose to fill in the complete application form online, please confirm "submit" and "print" according to the prompt.

Extended information

The credit card must be cancelled in time. Once the credit card is approved, it will appear on the personal credit report whether it is activated or not. The total number of personal cards and the total amount of credit will change accordingly. Once the number of cards and the credit line are too high, it will affect the bank's credit review. When applying for a credit card again, it is easy to be affected in the credit line.

in addition, if you have multiple inactive credit cards, when you apply for a credit card again, the bank may think that the customer does not really need a credit card, and the probability of rejection is greatly improved.

if the cardholder does not carefully identify the provisions in the terms when applying, and authorizes the bank to automatically deduct the fees from the account, it may result in an annual fee. At the same time, customized credit cards and special materials cards will be charged regardless of whether the cardholder activates the card or not after business card printing because of the complicated production process. After the expenses are incurred, if the cardholder leaves the card on the shelf, it may generate extra interest and leave a stain on the personal credit record.