Guangfa Bank credit card cancellation process
Guangfa Bank credit card cancellation can be done through the following two methods:
1. Customer service phone number
Card holder You can directly call Guangfa Bank’s credit card customer service hotline 400-830-8003 or 95508. After verifying your identity, you can apply for cancellation through manual service.
2. Bank outlet counter
Bring your valid personal ID and credit card to the counter of any bank outlet to complete the cancellation procedures.
It should be reminded that before canceling a Guangfa Bank credit card, make sure there is no deposit or debt in the card; after canceling, cut off the card’s magnetic strip as soon as possible to prevent it from being stolen.
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 is okay to not use it 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.
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.
Guangfa Credit Card Cancellation Process
The first step is to confirm whether the credit card to be canceled has any unpaid balances. To check whether there are any unpaid debts, you can log in to the credit card service page of the Personal Account Center of China Guangfa Bank Online Banking.
If it is found that there are unpaid liquidated damages, interest, annual fees and other arrears, the arrears must be paid and paid off. If it is found that there is still a remaining deposit in the credit card, the remaining deposit in the card can be cleared through consumption, cash withdrawal, etc. If there is an amount that cannot be withdrawn or consumed, you must make it clear to China Guangfa Bank when you need to give up.
The second step is to cancel the Guangfa Bank credit card. China Guangfa Bank has opened many credit card cancellation channels. Cardholders can cancel through bank branches or online banking. But please note that it will take about 45 days for the cancellation of the credit card to take effect. This is because the bank can only cancel the card after confirming that the person who cancels the card has no outstanding debts. When the user cancels the card, this time may span the next billing cycle. The bank must confirm that there is no outstanding balance in the last billing cycle before it can cancel the account.
Cancellation through a bank branch: Bring your ID card and the credit card to be canceled to the nearest Guangfa Bank branch. When handling, first fill in the "Card Cancellation Application Form", and then submit the ID card, Guangfa Credit Card and application form. Submit to staff together. The staff will cancel the card after receiving the application.
Cancellation through online banking: Open the official website of China Guangfa Bank, log in to the personal account center, select the credit card business, then choose to cancel the card, fill in the relevant information according to the process, and finally fill in the reason for card cancellation and submit the card cancellation application. Just wait for the bank to process the application.
Canceled cards that are no longer in use must be canceled in time after confirming that there are no arrears or deposits
How to cancel Guangfa Bank credit cards
Cancellation of Guangfa Bank credit cards is mainly divided into There are two methods: telephone cancellation and business outlet cancellation. 1. Log out by phone. It is very convenient to cancel a credit card by Guangfa Bank over the phone. Call Guangfa Bank’s toll-free customer service hotline and press 1-0 to receive manual service. If there is no outstanding balance in the card, just ask Guangfa customer service to cancel it for you. If there is any debt owed, the debt must be paid off before you can apply for cancellation.
2. Cancellation of business outlets. At present, 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. Users can directly go to the branch of Guangdong Development Bank to cancel their credit card, bring the credit card to be canceled and your ID card, and go to the branch to handle it. If there is a balance, unfinished business, etc., the account needs to be settled before the credit card can be canceled. We would like to remind everyone to avoid applying for card cancellation during the peak period of the branch, so as not to waste too much time due to queuing and cause unnecessary trouble.
Notes: 1. When canceling a credit card, handle the points in the card. If you have any remaining points, don’t forget to redeem them all. If you hold multiple cards at a certain bank and just want to cancel one of them, you can transfer the points from the card you want to cancel to other cards. Of course, some special cards do not support payment conversion, such as some banks' airline co-branded cards, hotel co-branded cards, etc.
2. Banks will also "hold grudges". Banks will also "hold grudges". If you cancel their credit card and apply for other cards in the short term, they will often be rejected.
3. You will no longer be a "new household" within a certain period of time. After a credit card is canceled, it will not be counted as a "new account" with the bank for a certain period of time. Even if you successfully apply for a new card from the bank, you will not get the "new account gift" that comes with the card.
4. After the credit card is cancelled, there will be a delay in updating the credit report. Generally, after applying to cancel a credit card, the bank requires a 45-day confirmation period, that is, the credit card cannot be used again during this period, otherwise the cancellation application will be invalid. If the credit card is not used within 45 days, it can be canceled smoothly. After formal cancellation, the bank will not promptly update your credit report for a short period of time, and your credit report may still show this credit card. According to actual measurements by cardholders, it generally takes more than 2 months to update the credit report.
How to cancel Guangfa Credit Card
Guangfa Bank Credit Card Cancellation Process
1. According to Guangfa Bank regulations, when canceling Guangfa Bank credit card, the credit card account must not have any debts If there is still an outstanding balance, the cardholder needs to pay off the balance before the card can be cancelled. Therefore, before canceling the Guangfa Bank credit card, you need to repay it first.
Similarly, if there is any overpayment left in the credit card, the cardholder is required to withdraw all the overpayment before canceling the card.
2. To ensure the security of the account, the card must be with the cardholder when canceling the card over the phone. If the credit card is lost, the cardholder needs to report the loss first before canceling the card. It should be noted here that banks usually charge handling fees for reporting the loss of credit cards; if you do not report the loss, you cannot directly cancel it. If you cancel it directly in time, there is also the risk of being swiped, and the loss of the theft will be borne by the cardholder.
3. When canceling a Guangfa Bank credit card, you do not need to go to a Guangfa Bank branch in person. You can directly call the Guangfa Bank credit card customer service hotline 95508 and explain your intention to cancel the credit card to the customer service, and then you can apply for credit card cancellation.
4. After receiving the cardholder’s application to cancel the card, China Guangfa Bank will review the cardholder’s credit card status within a period of time, including whether there are arrears or overpayments, etc. Unless there are special circumstances, generally banks will officially cancel the credit card for the cardholder within one month to one and a half months.
To sum up, the above three methods are the commonly used logout methods. Under normal circumstances, canceling a Guangfa card is actually very simple. After the cardholder confirms that there is no outstanding balance in the account, the card can be canceled directly. After the credit card is canceled, the cardholder's information is still stored in the bank, but the credit card cannot be used.
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
< p>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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That’s it for the introduction of Guangfa Bank credit card cancellation.