How to cancel a credit card application

There are two ways to cancel a credit card application: 1. If you want to cancel the online application for a credit card, if you do not go to the branch for confirmation, the card application will be canceled after 45 days. Automatic rejection, no need to go to the branch to apply, you can also contact customer service phone number to apply for cancellation. 2. If you have already gone through the confirmation procedures at the counter, you need to go to the bank counter.

It should be noted that the cancellation method should be selected based on the credit card approval status. The bank's review of the credit card is a key point. If the credit card has not passed the review, you can notify the bank to cancel the application; if the credit card has passed the review, you must cancel the credit card through other methods.

If the credit card review has not been passed, the applicant can call the credit card center of the card-issuing bank and submit an application to cancel the credit card application to the customer service staff. Or go directly to the business branch of the bank where the card was issued and apply to the counter staff at the counter to cancel the card application. If the counter staff is unable to handle the transaction, you can seek further solutions from the bank manager.

If the bank has completed the user's qualification review when the user needs to cancel the credit card, and the review has passed, cancellation cannot be done in this case. Because once approved, the user will establish a credit file in the system of the bank applying for the credit card, and the file cannot be deleted.

In this case, if you no longer want to use the bank's credit card, the solution is to apply to the bank that issued the card to cancel the card. Before canceling a credit card, you must pay the corresponding fees or go through the corresponding procedures in accordance with the regulations of the bank that issued the card. If you cancel a credit card before using it after applying, it will affect your personal credit record, and the success rate of applying for a credit card next time will be reduced.

Can I give up the application for a credit card?

Credit card applications can be revoked. As long as the user's application has not been approved and the user has not received the card, they can call the bank's customer service number at any time. Make a request to cancel the card. If the staff at the credit card service center asks you why, you can directly say that you don’t need it. In order not to easily lose customers, some bank staff may use various temptations to persuade you. At this time, you must be tougher. Cardholders have the right to cancel cards that are under review.

If the bank has mailed the credit card, the user cannot cancel it at this time, but the user can not activate the card after receiving the card, but this situation may affect your credit score. The bank will carefully consider your sincerity when you apply for a card again next time, and whether there is a possibility of applying for a card without using it.

If you want to return the card after receiving it, you can go to the bank to cancel the card. Some banks have regulations that require a card to be opened for consumption before the card can be refunded. You need to ask the bank staff whether there is such a regulation. Or the user can directly choose to cancel the card.

For more information about whether you can give up applying for a credit card, go to: View more content

Can I cancel a credit card application?

If you apply for a credit card, it depends on the situation, but no matter what the situation, you can cancel it, so don’t worry.

1. If you submit an application through direct channels such as the website or bank, you cannot cancel it. You can only wait for a call back and then refuse to apply for the card. In this way, the purpose of cancellation can be achieved indirectly.

2. If the application is submitted through the agency channel and is still in the hands of the salesperson, you can call the number on the business card to cancel. This is OK. If it has been submitted to the bank, it cannot be canceled. Cancel directly after receiving the card.

Extended information:

Generally speaking, if a credit card is not activated, there will be no annual fee. However, there are some high-end cards and credit cards with special materials. As long as you apply for it, you will be charged even if it is not activated. There will be a certain annual fee.

In addition, as long as the credit card is issued, regardless of whether it is activated or not, it will be reflected in the credit report, occupying the total credit limit. Once there is a record of arrears, it will affect the personal credit report, so unactivated credit cards, If not in use, please log out in time.

After canceling a credit card, be sure to cut the invalid credit card along the magnetic strip to prevent the credit card from being stolen. It should be noted that if the credit card has been lost and you want to cancel the card, to ensure safety, it is best to apply for a loss report first and then cancel it.

Baidu Encyclopedia - Credit Card

Baidu Encyclopedia - Credit Card Application Form

Can I cancel my credit card application?

Can I cancel my credit card application? However, the credit card application review process is mainly divided into the following two situations:

1. If the credit card does not pass the review, the applicant can call the credit card center of the bank that issued the card and submit the request to the customer service staff. Application for credit card cancellation. You can also go directly to the bank branch where the card was processed and apply to the counter staff to cancel the card application.

2. The credit card has been approved and the credit card application cannot be canceled.

Requirements for applying for a credit card:

1. The applicant must be over 18 years old and have full capacity for civil conduct;

2. Have a stable income and be able to meet deadlines Repay the debt;

3. The applicant’s personal credit report is good;

4. Other conditions stipulated by the bank.

Usually when applying for the first time, users can consider the regular card launched by the bank. In this way, the bank will quickly pass the review and get the credit card faster, but the limit will not be too high.

If you are unable to repay the debt on your credit card, you can apply for an interest suspension. Things you need to prepare:

1. The user brings his/her valid ID, credit card, and materials that can prove his or her financial ability, such as work Information, income, property under your name, etc., go to the counter of the credit card issuing bank's business outlet and apply according to the staff's prompts;

2. Bank staff will review the above information submitted by the user. Afterwards, a decision will be made based on the user's actual situation and credit qualifications whether to agree to the application for suspension of interest rates.

The minimum repayment amount for each credit card bill is calculated as follows:

The minimum repayment amount = 10 for all general transactions on the credit card account 100 for the single-period amount of all outstanding installment transactions in the account 100 The unpaid portion of the minimum repayment amount in the previous period 100 All funds used in excess of the account credit limit 100 Fees 100 Interest.

Cardholders who repay the entire amount due before the due payment date (inclusive) can enjoy interest-free treatment. If the cardholder has insufficient repayment in the current period, and the unpaid amount does not exceed 10 yuan or 1 US dollar, no additional interest and liquidated damages will be charged for consumer transactions that can enjoy interest-free treatment.

Excuse me, can the credit card application I applied for be cancelled? I have written an application and submitted it to the bank, but I no longer want to apply. Can I cancel it?

Cancellation is possible.

According to Article 47 of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks": the card-issuing bank shall provide channels for querying the progress and results of credit card application processing. The issuing bank shall comply with security management requirements when issuing credit cards. The card and password shall be delivered separately and the cardholder shall be prompted to receive them. When a credit card is issued, the cardholder shall be informed in writing of the credit card bill date, credit card regulations, instructions for safe card use, customer service telephone number, service and charging information inquiry channels and other information, so that the cardholder can use the credit card safely.

The card-issuing bank should establish operating procedures for credit card activation and verify the identity information of the credit card holder before activation. Credit cards whose use contract (agreement) has not been confirmed by the applicant's signature and whose identity has not been confirmed by the activation procedure shall not be activated. New credit cards, lost cards, damaged cards, expired cards, etc. must be activated before they can be used by cardholders.

Extended information:

Relevant requirements for commercial bank credit cards:

1. The card-issuing bank must first provide cardholders with card-using services that exceed the credit limit. , provide information on the form and calculation method of over-limit fees, and clearly inform cardholders of their right to cancel card services that exceed the credit limit. After the card-issuing bank charges an over-limit fee, it shall clearly list the amount of the over-limit fee in the corresponding billing cycle in the statement.

2. Card-issuing banks are not allowed to provide card-using services beyond the credit limit for credit card transfers (transfers) and cash withdrawals. The total amount of credit card overdraft transfers (transfers out) and cash withdrawals must not exceed the credit limit of the credit card for cash withdrawals.

Baidu Encyclopedia - Measures for the Supervision and Administration of Credit Card Business of Commercial Banks

One-stop guide to studying abroad

Can a credit card application be canceled

Cancellation It is possible to cancel, but it may be more troublesome.

1. The current credit card is easy to apply for, but difficult to cancel. If the applicant submits application materials on the website or bank, it cannot be canceled. However, you can wait for a call back from your bank to indicate your intention. If an applicant submitted information through an agent and the information is still in the hands of the salesperson, you can call the salesperson to cancel the information.

1. Credit card, also known as credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. The form is a card with the name of the card issuer, expiration date, number, cardholder name, etc. printed on the front, and a magnetic strip and signature strip printed on the back. Consumers holding credit cards can go to specialized commercial service departments for shopping or consumption. The bank settles with merchants and cardholders, and cardholders can overdraft within the prescribed limit.

2. A credit card is usually a special carrier plastic card with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. The name of the card issuer, expiration date, number, cardholder name, etc. are printed on the front, and the chip, magnetic strip and signature strip are printed on the back. Cardholders can use their credit cards to make purchases, purchases and cash deposits at the bank.

3. Characteristics of credit cards: depositing cash is not encouraged, spending first and repaying later, enjoying the interest-free repayment period, repaying in installments (minimum repayment amount), joining VISA, Mastercard, JCB, etc. International credit card organization for worldwide use. It is one of the fastest growing financial services today and is an electronic currency that can replace traditional cash circulation to a certain extent. It has both payment and credit functions. Cardholders can use their credit cards to purchase goods or enjoy services, or they can also use their credit cards to obtain a certain amount of loans from card issuers. It is a high-tech product integrating financial business and computer technology. Can reduce the use of cash currency. It can provide settlement services to facilitate shopping and consumption and enhance a sense of security. It can simplify collection procedures and save social labor. Can promote product sales and meet social needs.

That’s it for the introduction of Can I Stop Applying for a Credit Card?