Nowadays, the use of credit cards is becoming more and more widespread, and there is a phenomenon of one person having multiple cards, so many people will cancel the card based on the usage of the different cards. Xiaocai learned that some friends have experienced this. When it is difficult to log out, Xiaocai will solve the trick in the logout process for everyone.

A netizen applied for a Bank of Communications credit card, and when he found that there were not many opportunities to use this card, he decided to cancel it. When he went to cancel the card for the first time, he was told that he had to go to the counter to pay the balance first. It was bizarre. However, there was a difference of ten percent between the amount he owed through the counter information and the amount he got from the telephone banking service staff. After that, I went to the bank twice and paid off the debt. The customer service staff at the time told him that there was still a balance of 1 yuan in the account and asked him if he wanted more. The netizen clearly told the other party that he didn't want it anymore and confirmed that he wanted to cancel it. After a period of time, the netizen called Bank of Communications' user service hotline again to confirm whether the credit card had been cancelled. The answer was that the cancellation had been completed.

The result was two months later: I received a text message reminding me that there was a debt, but the netizen ignored it. Four months later: I received a call about the payment and learned that the credit card had not been canceled successfully. Since there is a balance in the card, the system has not canceled it by default, and the SMS notification fee has been deducted, resulting in arrears and late payment fees. After paying the outstanding balance, apply for cancellation again. If the bank informs you that no expenditure has occurred within 45 days, the account will be automatically closed. In the event of fraud or other risks, all responsibilities will be borne by the holder. Six months later: I checked the phone number to see if the account had been cancelled. I was told that there was a balance of 0.37 yuan in the card, which had not been taken away and could not be cancelled. After coordination and communication, the netizen said that he would give up the balance claim, and the Bank of Communications customer service staff agreed to cancel the application and informed the netizen to confirm again after 5 working days. Finally, six and a half months later: I called Bank of Communications customer service. The other party repeated the previous answer, saying that there was a balance in the card and could not be cancelled. Over and over again, back to the starting point. Finally, he went to the counter to withdraw the remaining balance of 0.37 yuan and canceled the credit card. However, he was always worried that the bank card was not really canceled.

Xiaocai reminds everyone that credit cards cannot be canceled whether they are in arrears or overpayment, and the system cannot manually cancel them. However, you can call the customer service number of the Bank of Communications to apply for pre-cancellation, go to the account opening bank to complete the formal cancellation procedures within the time specified by the bank, and withdraw the excess payment at the same time.

So, what should you pay attention to when canceling a credit card?

Xiaocai’s opinion:

First, confirm whether the account has been canceled after 46 days. Credit card cancellation is often handled through telephone banking, but it is not possible to cancel the card successfully immediately through telephone banking. Normally, the holder should call the bank promptly 46 days after canceling the card to confirm whether the account has been cancelled, to prevent the bank from successfully canceling the card due to some reasons, but the holder thinks that the card cancellation was successful, causing unnecessary trouble in the future.

The second is to pay off all arrears in a timely manner. This arrears include not only account arrears, but also annual fees, etc. If you pay attention to the former and ignore the latter, the holder may still have a balance in the card after canceling the card. Therefore, you must ask clearly when canceling the card, and you must not leave a penny of debt.

Third, the magnetic strip must be cut when deleting the card. If the card is complete, it may still be usable in some consumption situations that only require the card number without verifying the information. The best way is to cut the magnetic strip into several pieces and throw them into different garbage dumps to prevent people with ulterior motives from stealing them.