Logout process:
1, take the number and queue up, and copy the ID card with the help of the lobby staff;
2. After the counter calls, give the ID card and bank card to the counter staff;
3. Inform the staff that it is necessary to return the card, and the staff will handle the card return business;
4. In the meantime, you need to enter the bank password and sign the business confirmation form;
5. Bank staff will cut bank cards;
6. Take back the cut bank card, ID card and business documents, and then complete the processing.
Credit card cancellation:
If you don't intend to continue using credit cards, you must do so. If the account is not closed, the bank will charge an annual fee for the credit card. If the card is not overdrawn, you can apply for account cancellation at any time.
If your card has not expired, you need to apply first, and then go to the bank to cancel your account after a certain period of time; If the card has expired and the account balance is zero, you can directly cancel the account at the designated bank outlet.
When closing the account, you should bring your valid ID card and the original card. If it's not convenient for me to close the account, someone else can help you. The agent must hold the power of attorney written by the principal (himself) and bring the original valid identity certificate to handle the account cancellation business.
If your card has not expired when you cancel your credit card account, some banks stipulate that you need to go to the designated outlets to receive the card, and then go through the formal account cancellation procedures after a certain period of time (up to 30 days).
This is mainly because if the cardholder has done a manual card pressing transaction before closing the account, the cardholder will have closed the account before the merchant submits the card pressing form to the bank for entry, and the bank will not be able to liquidate normally; On the other hand, if the cardholder is in consumption abroad or withdraws cash, it may take several days to settle the account. If the account is closed immediately, it will also affect the normal liquidation of the bank.
Extended data:
If the balance in the card is more than 50,000 yuan (inclusive), or if you need to handle the account adjustment and cancellation agreement in the card, you must also provide your valid identity certificate. Please contact the outlets in advance to make an appointment for large withdrawals. The cancellation procedures of secondary vocational education card and military security card are slightly different; If there is an outstanding personal comprehensive loan agreement in the card, it is not supported to sell the card in different places.
On February 20 15, the China Banking Regulatory Commission issued the Notice on Matters Related to the Banking Industry's Combating and Governing New Crimes in Telecommunication Networks (hereinafter referred to as the Notice). According to the circular, starting from 20 16 1, in principle, no more than four debit cards will be opened by the same customer in the same institution.
At the same time, the notice also stipulates that "in principle, the same agent shall not open more than three cards in the same commercial bank. The debit card opened by the agent can only be used after the agent takes his valid ID card to the counter to activate the card. "
The notice also requires that for customers who already have more than four debit cards, banks should take the initiative to contact customers for verification, and if they find that they are unwilling to handle it, they should suspend their services.
References:
Baidu encyclopedia-account cancellation
References:
Baidu encyclopedia-bank card