How to cancel Everbright Bank Card?

1. You can cancel the card by phone.

The Everbright Bank card can be canceled by just calling. However, before canceling the card, you must first confirm that there is no balance in the account, and then call the Everbright Bank card customer service hotline 95595 and transfer to manual service to explain that you want to cancel the card. card.

2. You can directly go to the outlet to cancel the card.

You need to bring your ID card and bank card to the bank to cancel the card. Just write the account cancellation application.

3. You can go directly to the bank counter in person to cancel.

This is similar to canceling a card at an outlet. You need to bring your necessary documents, such as ID card.

Credit card cancellation process:

1. Call the bank customer service number and apply to cancel the credit card. Note that the bank customer service will usually try to retain you at this time. If you decide to cancel the card, don't listen to his "fooling" and insist on canceling it.

2. From the time you apply for cancellation by phone to the official cancellation, there will be a settlement period of 30 to 45 days. During this period, you must not use your credit card to make purchases.

3. 40 days after cancellation, call the bank customer service number to confirm whether the cancellation is successful, so as not to leave a bad record for yourself due to special reasons.

4. Do not throw away canceled credit cards. Cut the magnetic strips into pieces before throwing them away to avoid being picked up by criminals and causing losses to yourself.

Before canceling a credit card, you must ensure that there is no balance in the credit card, neither arrears nor excess deposits. Because once a credit card has a balance, it cannot be canceled.

Four important things to note when canceling or canceling a credit card account

First, before applying for account cancellation or cancellation of a credit card, make sure that the points in your credit card have been collected. Redeem to avoid wasting points. Because credit card points are consumption rewards given to users by the card-issuing bank, they can be redeemed for corresponding items at the card-issuing bank. After canceling the account or canceling the card, all the points in the card will be reset to zero, so be sure to redeem all the points before canceling the account or canceling the card to avoid unnecessary losses.

Secondly, you must not use your credit card during the period of clearing your credit card account. Because there will be a 45-day "clearance period" before the credit card account cancellation officially takes effect. During this period, if you try to use the credit card again, the account cancellation will fail. Therefore, if you are not sure whether the account cancellation is successful, you can contact the card-issuing bank to inquire. Of course, if the user regrets the account cancellation before it officially takes effect and wants to withdraw the application for account cancellation, he or she can contact the card-issuing bank to re-enable the function.

Thirdly, you need to be careful when canceling your account or canceling your credit card after it expires. If your credit card is overdue, apply for account cancellation or card cancellation immediately after settling the outstanding balance, but you can still have your overdue record in the credit report of the card-issuing bank. And the overdue record of this credit card will remain on your personal credit report for 5 years. So what do we do? The correct approach is to continue to use this credit card after repaying it in full, and gradually cover up the overdue bad records with good records. In two years, the overdue records will no longer have an impact on your personal credit report.

Fourth, if you only cancel the credit card but do not cancel the account, you will not be able to enjoy the benefits of new users. Many banks stipulate that after a credit card account is successfully closed for 6 to 12 months, if you apply for a new credit card again, you can enjoy the benefits of new users again. But if you just cancel the card without closing the account, you will be considered an old customer at the card-issuing bank, so you will not be treated as a new user when you apply for a new credit card again.