1, calling card cancelled.

You can directly call the customer service phone number of Industrial Bank at 9556 1 to cancel your credit card. After dialing the phone, directly select the manual service, and then explain the specific reasons for canceling the credit card to the reception customer service. At this time, the customer service will prompt you to enter the inquiry password of the credit card to verify your identity. After verifying your identity, the bank will check whether your credit card has a debt record.

If there is debt, we can't cancel the credit card. We must pay off the debt before we can cancel it. Generally, it takes at least five working days to cancel the credit card by phone.

2. Counter card cancellation.

This method of canceling credit cards is generally suitable for friends whose credit cards have been lost. The biggest advantage of canceling the counter card is that it is fast. As long as there is no debt in the account, the system can automatically close the account on the same day, and there is no need to go through other procedures.

"Measures for the Administration of Credit Cards" Article 37 After the cardholder has paid off the overdraft principal and interest, he may cancel the account under any of the following circumstances:

(a) 45 days after the expiration of the credit card, the cardholder has not replaced the new card;

(two) 45 days after the loss of the credit card, there is no supplementary card and no new card has been replaced;

(3) The credit card was withdrawn by the issuing bank for 45 days due to its bad reputation and was included in the stop payment list;

(four) the cardholder died for some reason, and the issuing bank has recovered his credit card for 45 days;

(five) the cardholder requests the cancellation of the account or the guarantor to cancel the guarantee, and has returned all the credit cards for 45 days;

(6) The credit card account has not been traded for more than two years (inclusive);

(seven) the cardholder violates other regulations, and the issuing bank thinks that his qualification should be cancelled.

Precautions:

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. Note that as long as you pay back the money you owe the bank and keep a good credit record in the future, you will be fine naturally. If you cancel your credit card, you can't apply again next time.

Going to the bank counter to cancel is also the method used. But pay attention to the following points:

Bring the necessary documents, ID card, credit card, etc. If the credit card owes money, get the money ready!

Remember to avoid the rush hour of the bank, so as not to queue for too long and delay your normal work and life.

Explain the situation to the staff truthfully. If you really want to return your card, don't change your mind easily

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.