You can call 95555 to cancel China Merchants Bank's credit card. After the call, you can cancel it according to the voice prompt, or you can turn to manual service to cancel it. If you can't make a phone call, you can also cancel it at the investment promotion outlets.
1. Do I need to cancel my invalid credit card?
Under normal circumstances, there is no annual fee for credit cards that are not activated, but some cards are free even if they are not activated as long as they are approved. Moreover, as long as the credit card is approved, this card will be reflected in the personal credit report, so once there is an overdue record, it will also be reflected in the personal credit system, which will also affect personal credit. Therefore, for inactive credit cards, even if they are not used, they should be cancelled at the bank in time. After canceling the credit card, the chip in the invalid credit card must be cut off, which is also to prevent the credit card from being stolen by others. Before canceling your card, you should also make sure that your credit card has a golden keyboard. If you are not sure, you can also check with the bank.
Two. Precautions for canceling credit cards
In general, it takes a while to cancel a credit card. This period is the Ranbo period, and it usually takes 45 days to cancel the card successfully, mainly because many card friends will have some arrears before canceling their cards. Therefore, in order to confirm whether there are other debts, banks will set a special five-day cancellation period for credit cards. In the meantime, if you apply for account cancellation, try not to use this bank card again, otherwise there will be some trouble. After canceling the credit card, some credit cards will be bound to the Renren platform. At this time, it is necessary to check which third-party payment platforms are bound to this credit card. It needs to be unbound immediately to generate new consumption.
Finally, many people are using credit cards now. A bank only needs one credit card. It is very convenient to use the credit card correctly, otherwise it will affect the personal credit information system and cause some trouble.
What is the customer service phone number of China Merchants Bank to cancel its credit card?
Overseas credit card cancellation telephone number: 86-755-84391000;
Domestic credit card cancellation telephone number: 400-820-5555.
1. It is necessary to cancel the credit card when you don't intend to continue using it. If you don't cancel your account, the bank will charge you an annual credit card fee. If there is no overdraft limit on your card, you can apply for cancellation at any time. If the card has not expired, you need to apply first and cancel it at the bank one day later. If the validity period of the card has expired and the account balance is zero, you can cancel the account directly at the designated bank outlet. Please bring your valid ID card and the original ID card when closing the account. If it is not convenient for you to pay the bill, someone else can help you. The trustee shall cancel the business with the written power of attorney of the trustee (himself) and the original of his valid ID card.
2. The cancellation of China Merchants Bank's credit card is 800 calls. China Merchants Bank outlets cannot directly return cards. Even if you go to the outlet of China Merchants Bank, the bank clerk can only call 800 to cancel your card. Whether it is an opened China Merchants Bank card or an unopened China Merchants Bank card, please call the customer service hotline of China Merchants Bank Credit Card Center: 800820555. After the connection, press "1" to enter the Chinese service, and then press "9" to enter the cardholder's manual service. If you want to cancel the card, please contact customer service. It is completely free to cancel the credit card.
You can keep the cancelled credit card, or you can cancel it and discard it. China Merchants Bank will no longer ask you for this card. To cancel the credit card, the user only needs to call the bank customer service number and transfer to manual service. After successful application, the bank will cancel the credit card for the user. In a successful process, users must keep or destroy their credit cards. Please don't throw it away just because you apply for cancellation, so as not to be stolen by non-wool elements. Some users are worried when they want to cancel their credit cards. They are worried that canceling their credit cards will have a bad influence on themselves.
In theory, there is no direct adverse consequence of canceling the credit card. If the user doesn't want to use the credit card, he can cancel it. However, canceling the credit card may bring indirect consequences to the credit card itself, mainly in the subsequent credit card processing.
Operating environment: Huawei nova7Pro2.0.0. 168.
How to cancel the credit card of China Merchants Bank?
There are three ways to cancel the credit card of China Merchants Bank: 1. Call customer service to cancel. China Merchants Bank's credit card can be cancelled by calling the credit card customer service hotline at 400-820-5555, but you will be asked to provide some supporting information, such as ID number, office phone number at the time of application, company name at the time of application, home phone number and other information you have registered before. After checking your information and confirming that it is correct, the bank will say to you,' If you cancel your card successfully, please destroy it with scissors or other tools.' At this time, if you don't destroy the card according to his operation, you will naturally get the custody right of the card.
2. With my ID card, I will cancel at the outlet of China Merchants Bank and cancel at the bank where I opened the account.
3. Wait for the automatic cancellation of the credit card. If there is no money in the debit card, it will be automatically cleared into the sleep account after 2 years.
4. There are other credit cards in China Merchants Bank that have not been cancelled. Note that it will not affect the use of other credit cards that have not been cancelled.
Precautions:
1. Pay attention to account cancellation when canceling the card. Because some banks will charge account management fees if they don't handle the account cancellation procedures in time. In addition, the next time you apply for a bank credit card, you won't be able to enjoy the treatment of new customers without canceling your account.
2. After receiving the customer's application for account cancellation, the bank will not handle it immediately. It will take some time. In the meantime, the bank will check whether there is any debt on the credit card. If the debt is not paid off, the bank will not accept the application for account cancellation. This time is usually about 45 days, so it is best to call the bank customer service every other month and confirm it after closing the account.
Remember to destroy the credit card after cancellation. Generally, you can't use credit card, cash withdrawal or online banking after cancellation, but you should pay attention to one situation. On the plane or cruise ship, because there is no credit card limit, we all use the method of manual pressure sheet when spending, that is, the protruding part of the credit card is pressed on the document as the transaction voucher.
How to cancel China Merchants Credit Card?
The credit card cancellation method of China Merchants Bank is as follows:
1, call credit card customer service to cancel. China Merchants Bank's credit card can be cancelled by calling the credit card customer service hotline at 400-820-5555, but it needs to provide some supporting information when canceling, such as ID number, office phone number at the time of application, company name at the time of application, home phone number and other registration information.
Operating environment:
Brand model: iPhone 13
System version: iOS 15.0
App version: 10.0.0
After checking the confirmation information, the bank will prompt "You have successfully cancelled the card, please use scissors or other tools to destroy the card". At this time, just destroy the card according to his operation.
2. Cancel at China Merchants Bank outlets. With my ID card, I will cancel at the bank where I opened the account.
3. Wait for the automatic cancellation of the credit card. If there is no money in the debit card, it will be automatically cleared into the sleep account after 2 years. When it is used in the future, it will prompt that it is in a sleep state after long-term non-use, and the wake-up card can operate according to the bank SMS prompt.
Can China Merchants Bank cancel its credit card by phone?
You can choose to log out by phone.
China Merchants Bank credit card has the following three cancellation methods:
1, call credit card customer service to cancel. The credit card of China Merchants Bank can be cancelled by calling the credit card customer service hotline at 400-820-5555, but you will be asked to provide some supporting information when canceling, such as ID number, office phone number at the time of application, company name at the time of application, home phone number and other information you have registered before.
After checking your information and confirming that it is correct, the bank will say to you, "If you cancel your card successfully, please destroy it with scissors or other tools." At this time, if you don't destroy the card according to his operation, you will naturally get the custody right of the card.
2. Cancel at China Merchants Bank outlets. With my ID card, I will cancel at the bank where I opened the account.
3. Wait for the automatic cancellation of the credit card. If there is no money in the debit card, it will be automatically cleared into the sleep account after 2 years.
Extended data:
Attention should be paid to the cancellation of China Merchants Bank's credit card:
1. After the cancellation of the credit card, please cut off the magnetic stripe of the card and handle it properly.
2. After cancellation, you can still log in to the online bank to check the accounting information, and the original card can still receive repayment or refund. Please pay attention to whether the credit card debt has been paid off.
3. If you want to resume using the credit card in the future, you can contact the customer service hotline 4008205555 to apply.
4. If you have other credit cards that have not been cancelled in our bank, the cancellation of some cards will not affect the use of other credit cards that have not been cancelled.