How to cancel Guangfa Bank credit card

Whether Guangfa Bank credit card is activated or not, you can cancel it through the following channels:

1. Customer service phone number

Call China Guangfa Bank’s credit card customer service hotline 95508 directly to apply for cancellation;

2. Bank counter

Bring your valid personal identity document and credit card and go through the cancellation procedures at the counter of any Guangfa Bank outlet .

In addition, before canceling a credit card, please note that there must be no deposits or outstanding balances on the card, especially if the credit card has been activated and is in use. You must take into account the hidden annual fees. Also, after canceling a credit card, cut the magnetic stripe of the card to prevent others from stealing the card.

If you want to cancel a Guangfa Bank credit card, you can directly call Guangfa Bank’s customer service hotline 95508 or the credit card dedicated hotline 400-830-8003, press the “0” key to transfer to manual service, and then ask the customer service staff for cancellation. Just apply for a card. After the customer service staff verified the customer's identity information and confirmed that the card cancellation application was made by himself, he would naturally cancel the card for the customer.

Once the card is canceled, it will cease to be used immediately and cannot be reactivated. Therefore, customers must consider it carefully. If they still need to use it, it is not recommended to cancel it directly. As long as the card is kept well, it will be fine if it is not used temporarily.

Everyone also needs to note that before canceling a card, you need to confirm whether there are unpaid bills, unrecorded transactions, and excess overpayments. If it exists, you need to pay off the bill arrears and withdraw all the overpayments before you can apply for cancellation.

Also, you must confirm whether the card is bound to other services. If so, you must unbind the business first and then apply for card cancellation. Otherwise, the card cannot be canceled successfully.

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How to cancel a Guangfa Bank credit card?

The common ways to cancel credit cards of Guangfa Bank are as follows:

1. Cancellation at Guangfa Bank business outlets: Bring the credit card and ID card you want to cancel to any Guangfa Bank You can cancel it at the branch. This is the safest way to cancel your credit card.

2. You can call the official customer service hotline of Guangfa Bank’s credit card to cancel the credit card: dial the toll-free customer service hotline of 95508, press 1-0 to receive manual service, and ask Guangfa customer service to cancel the credit card for you. This way of canceling a credit card is more convenient and faster.

1. The steps to log out by phone are as follows

1. First check whether there is any debt - you can follow Guangfa Credit Card through WeChat, click on My Card - My Bill, and check the account single information. If there is any debt, the credit card must be repaid before the card can be canceled.

2. Turn on your mobile phone and call the 24-hour customer service hotline on the back of Guangfa Credit Card: 95508. After dialing the number, enter the 6-digit phone service password as prompted, then press manual service, and tell the customer service that you want to cancel the Guangfa credit card. Generally, customer service will ask you why you canceled the card. After replying, the customer service will register and cancel the credit card for you. After completing the cancellation, please cut the card from the chip.

Notes on CGB credit card cancellation:

1. Credit card cancellation is divided into card cancellation and account cancellation. Generally, cardholders only need to cancel the credit card, and there is no need to cancel the account. Credit card cancellation will have an impact on future applications for credit cards from the bank;

2. If there are still points in the credit card to be canceled If you haven’t used it all, I suggest you exchange it all. If you really can't redeem it, you can also transfer it to other credit cards in the same party. If there are no other credit cards, and the bank does not cancel the cardholder's account, and the cardholder applies for a new credit card from the bank later, the points can still be imported into the new one. In the credit card;

3. After submitting the credit card cancellation application, the credit card holder should not use the credit card again until it officially takes effect. If it is used halfway, the credit card cancellation application will be automatically revoked;

4. There is still a possibility of the credit card being stolen after cancellation, so the cardholder needs to cut off the credit card's magnetic strip and throw it away after formal cancellation. .

Extended information:

Card issuance: After the applicant successfully applies for a credit card, the card issuer will open a separate credit card account for the cardholder at the card-issuing bank for shopping, consumption and cash withdrawal. Settlement is then carried out.

Card opening: Since the card is sent by mail after the credit card application is approved, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from fraud losses, the credit card has set up a card opening procedure before it is officially launched. Card opening is mainly done by phone or online. The relevant personal information provided during the application is checked. Once the information is met, the card opening process is completed. At this point, the applicant becomes the card holder and can officially start using it after signing on the back of the card.

Identification: There is at least the following information on the credit card face

Front: name and logo of the card issuing bank, credit card number (organization logo) and holographic anti-counterfeiting mark, name in English or pinyin, activation Date (generally calculated to the month), validity date (generally calculated to the month), the latest issued card is equipped with a chip on the front, and the chip account and the card magnetic stripe account are two relatively independent accounts.

Back: Card magnetic stripe, cardholder signature field (signature required after activation), service hotline number, last four digits or all of the number (to prevent fraudulent use), credit card security code (on the back of the credit card) On the signature line, the three digits immediately following the last four digits are used for credit card activation, password management, television, telephone and online transactions, etc.).

Authorization: The merchant and bank confirm that the credit card is valid, and contact the bank to request authorization according to the contract signed with the card issuer. Authorization is to further confirm the cardholder's identity and the amount that can be used. Authorization is generally made when the usage amount specified in the contract is exceeded. After receiving the authorization notice, the card-issuing bank will issue an authorization instruction based on the deposit balance of the cardholder's deposit account and the bank's agreement to allow overdraft, and reply whether it agrees to conduct the transaction.

Use: Credit cards are usually only used by the cardholder himself. Lending them to others is generally a violation of the use contract.

Cancellation: Before canceling a credit card, the account balance must be cleared. The entire process of canceling the card must be completed within 45 days after the application is submitted.

Guangfa Bank Credit Card Customer Agreement (Personal Card) - Guangfa Bank Official Website

How to cancel Guangfa Credit Card?

You can apply for credit card cancellation by calling Guangfa Bank customer service hotline 95508.

Cancellation at Guangfa Bank business outlets: China Guangfa Bank is one of the few banks that can cancel credit cards at its business outlets. This is the most convenient and safe way to cancel credit cards. You can directly go to the branch of Guangdong Development Bank to cancel your credit card, bring the credit card and ID card you want to cancel, and go to the branch to handle it.

Extended information:

Notes:

The temporary credit limit adjustment of Guangfa Bank is generally valid for 7-10 days, and the limit increase can only be used for consumption. It cannot be used for cash withdrawals and can meet customers' large consumption needs in the short term. If you find that the approved credit limit is not enough when using a Guangfa Bank credit card and you need to increase the credit limit, you can call the 24-hour customer service hotline to apply for a temporary increase in the credit limit.

When using Guangfa Bank credit card, please note that the amount withdrawn by Guangfa Bank credit card should not exceed the amount stored in Guangfa Credit Card. If the amount exceeds the overpayment amount, you will need to pay high handling fees and interest.