Method 1: Call the customer service number to cancel the credit card: You can call the bank’s credit card 24-hour customer service hotline to apply for card cancellation. There must be no arrears in the account when returning the card, and in order to ensure the security of the account, the card must be with you when returning the card over the phone.

Method 2: Go to the bank counter to cancel your credit card: If your bank credit card is not used or lost, you can only cancel it at a bank branch. If there are new accounts payable within 45 days (inclusive) after the card is canceled, you will still be responsible for it. 45 days after the card is returned, if there is no outstanding balance or excess deposit in the account, the system will automatically cancel the account without any procedures.

How to restore a credit card after it is deactivated?

1. Timely repayment: After the use of a credit card is suspended, the first thing to do is to pay off all outstanding balances on the credit card, regardless of whether the credit card is used, otherwise it will affect your credit report.

2. Communicate with the bank: After making timely repayment, you can call the credit card center customer service and communicate with the credit card customer service to explain the reason for failure to repay on time to ensure that it will not happen again in the future.

3. Apply for unblocking: After paying off the credit card debt, you can also go to the bank where the credit card is located with the corresponding information. This is faster than calling the credit card center. You still need to pay attention to your strong intention and importance of repayment, as well as the reasons for your non-repayment, etc.