Generally, it will not succeed to return the money to the cancelled card number by mistake, and the money will be automatically returned to the payer's account, and then it can be repaid again.
Credit card repayment is generally received within 1 day.
Moreover, some banks also stipulate that they must go to the provinces or even cities where ID cards are registered. If the cardholder works in other places, he can only find another way out.
Meet the cancellation conditions
Under normal circumstances, if your credit card has not been paid off, or the annual fee has not been paid, or there is a balance, it cannot be cancelled. Of course, individual banks have other requirements for credit cards. Therefore, you must ask clearly when calling the official customer service phone of the credit card.
Several methods of cancellation
1. Telephone banking cancelled.
Basically, ordinary credit cards can be cancelled by telephone banking. Of course, some banks may be a little troublesome, while others are different, such as China CITIC Bank and China Merchants Bank, which are very convenient. Note that you can cancel your credit card by phone only if you can cancel it.
2. Bank counter cancellation.
Going to the bank counter to cancel is also the method used. But pay attention to the following points:
First: bring the necessary documents, such as ID card, credit card, and prepare the money if the credit card owes money!
Second: remember to avoid the rush hour of the bank, so as not to queue for too long and delay your normal work and life.
Third: truthfully explain the situation to the staff. If you really want to return your card, don't change your mind easily
3. The business hall of the designated bank shall be cancelled.
Of course, because there are still differences in the regulations of credit cards among banks, and there are many types of credit cards, some banks will have clear regulations on the cancellation of some credit cards. So, if you are not sure where to cancel your credit card, call the official customer service in time.
4. It is not recommended to cancel the credit card casually.
Credit card is one of the manifestations of personal credit. At present, the annual fee of credit card is very low. As long as you swipe your card several times a year, you can avoid the handling fee for the next year. This is easy to handle. You don't have to cancel your card for the annual fee.
Of course, some people may forget to pay back the money owed by their credit cards, resulting in credit problems, and the bank also requires you to cancel your cards.