How to cancel a Guangfa Bank credit card
1. Customer service hotline: Cardholders call the Guangfa Bank credit card customer service hotline, follow the voice prompts, and after verifying their identity, submit a cancellation application through manual service That’s it.
2. Bank outlets: Bring your valid personal ID and credit card and go to the counter of any bank outlet to complete the cancellation procedures.
3. Mobile APP: Log in to discover the wonderful APP, click "My - Common Tools - Card Management - Select Card - More Card Functions - Cancel Card".
Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed.
The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form.
The application form is accompanied by a contract for using the credit card. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have an application A person's autograph.
After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness. The content of the review mainly includes whether the content of the application form is true. For the applicant, the creditworthiness of the applicant must be assessed. For individuals, the relevant circumstances of the guarantor must also be reviewed.
Usually, banks will judge whether to issue a credit card to the applicant based on the application information and various aspects of the applicant's information and financial situation. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.
The specific factors and processes reviewed by the card issuing bank are commercial secrets and are generally difficult for outsiders to understand. The standards of each card-issuing bank are also different. Therefore, the same materials may be issued with different credit limits and different types of credit cards in different banks. Some banks may even approve the application, while others may reject it. .
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. After opening a credit card, you generally need to set up a password for the card. After accepting a credit card, a credit card merchant or bank must review the validity of the credit card and the identity of the cardholder.
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.