How to cancel a credit card account?

1, telephone banking cancelled.

Basically, ordinary credit cards can be cancelled by telephone banking. Of course, some banks may be a little troublesome, while others are different, such as China CITIC Bank and China Merchants Bank, which are very convenient. Note that you can cancel your credit card by phone only if you can cancel it.

2. The bank counter is cancelled.

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

First: bring the necessary documents, such as ID card, credit card, and prepare the money if the credit card owes money!

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

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

First, before applying for account cancellation and account cancellation, make sure that the points in your credit card have been redeemed to avoid wasting points. Because credit card points are consumer rewards from the issuing bank, you can exchange the corresponding items at the issuing bank. All the points in the card will be cleared after account cancellation and card return, so you must redeem the points before account cancellation and card return to avoid unnecessary losses.

Two, credit card cancellation in the settlement period shall not use credit cards. Because there will be a 45-day "settlement period" before the credit card account becomes effective, if you try to use the credit card again during this period, it will lead to the failure of account cancellation. So if you are not sure whether the account cancellation is successful, you can contact the issuing bank to ask. Of course, if the user goes back on his word before the account cancellation officially takes effect and wants to withdraw the account cancellation application, he can also contact the issuing bank to reopen the function.

Third, after the credit card expires, it is necessary to be cautious to cancel the account. If the credit card is overdue, you can apply for account cancellation or card refund immediately after handling the arrears, but you can still leave your overdue record in the credit report of the issuing bank. And the overdue record of this credit card will be kept in your personal credit report for 5 years. So what are we going to do? The correct way is to continue to use this credit card after full repayment, and gradually cover the overdue bad records with good records. Within two years, this overdue record will no longer affect your personal credit information.

Fourth, if the credit card only sells the card and does not cancel the account, it will not be able to enjoy the treatment of new users. Many banks stipulate that after 6 months to 12 months of successful account cancellation, they can apply for a new credit card and enjoy the treatment of new users again. However, if you just return the card and don't cancel the account, you are an old customer of the issuing bank, and you will not be treated as a new user when you apply for a new credit card again.

Therefore, the cancellation and cancellation of credit cards seems simple, but there are actually many precautions. Therefore, you must be prepared before canceling your account and card to reduce unnecessary trouble!

How to cancel the credit card?

Credit card cancellation methods mainly include:

1. Issuer's outlet cancellation:

Cardholders can bring their personal ID cards and credit cards to the counter of the offline business hall of the issuing bank, apply for cancellation of credit cards, and go through the cancellation procedures with the help of staff.

2. Cancellation of customer service call:

Cardholders can directly call the customer service hotline of the credit card center of the issuing bank. After the call is connected, they will transfer to manual service according to the telephone voice prompt and apply to the staff for cancellation of the credit card. The staff can cancel the credit card after verifying their personal identity.

3. Go to the counter to cancel the bank card through the bank outlet: all major banks have windows to cancel the credit card and bring personal documents, such as ID cards and credit cards. If the credit card has debt, carry cash and pay off the debt;

4. Cancel the credit card through official online banking: all major banks in China have online banking. You can submit your ID card, credit card and other information, fill in the application for account cancellation, submit the application, and wait for the bank to call you for confirmation;

5. Cancel the credit card through the official customer service phone of the credit card: call the official service hotline of the credit card, transfer to manual service, and let the manual customer service apply for cancellation of the credit card. Before making a phone call, you should pay attention to the fact that the credit card has no arrears and balance, otherwise you can't close the account;

6. Cancel the credit card through the official bank WeChat official account or the official credit card WeChat official account: all major banks in China have official WeChat official accounts. As long as the card is bound and the credit card is cancelled, you can cancel the credit card in the official WeChat account;

7. Cancel your credit card through the official bank APP: All major banks, including credit card service centers, may have their own official website APP, so you can cancel your credit card directly on the website.

How to close the credit card?

If customers want to cancel their credit cards, they can directly call the hotline of the issuing bank and turn the "0" key to contact the customer service staff to apply.

If there is an offline business outlet of the issuing bank near the work and residence, the customer can also bring his personal ID card and credit card to the outlet counter to find the staff to cancel the account.

What we need to note is that after applying for account cancellation, the bank will not immediately cancel the account for the customer, but will leave a settlement period of 45 days. After 45 days have passed, it will be confirmed that there is no new bill or overpayment in the card, and then the card will be officially cancelled for the customer.

However, if there are outstanding bills or overpayments in the card, there is no way to cancel the success. Therefore, customers are advised to check the card usage before applying for card cancellation. If there are unpaid bills, they should pay them as soon as possible. If there is any overpayment, please withdraw it first and then apply for cancellation.

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How to completely cancel the credit card account

There are several ways to cancel a credit card account:

Mobile phone account cancellation: the cardholder can call the customer service phone of the bank, confirm his identity, and then transfer to the manual service center for credit card account cancellation;

Business account cancellation: the cardholder can bring his ID card and credit card to the issuing bank for business account cancellation, and handle it at the counter.

The process of credit card cancellation is:

1. If you need to confirm that the credit card has been completed and there is no debt, you can call the credit card customer service hotline on the back of the card;

2. Then apply to the customer service staff to cancel the card and wait for the bank's notice;

3. After the bank notifies the counter to cancel the card, the cardholder needs to fill in the card cancellation application form at the outlet, sign the card cancellation agreement with the bank, and take photos for archiving;

4. Sign the bank cancellation registration form for confirmation;

5. After the employee confirms his/her identity, he/she cuts the card in person and returns the card.

It is worth noting that credit card cancellation will cancel the credit card account, and the credit card can no longer be used after cancellation. If you choose to cancel the card, the credit card account still exists and can be restored later.

Precautions for credit card cancellation:

Confirmed balance

When closing the account, make sure that the credit card has no arrears and no balance. If you have debts, you need to pay them back first. If you have extra money, the bank will ask you to provide a savings card of your own bank and transfer the extra money to your savings card account.

Destroy cards

When you cancel, the customer service will instruct you how to destroy the card and ask you to unbind the payment withholding agreement of the payment platform. If the usual payment software has been bound with a credit card, it should be unbound as soon as possible. For example, Alipay, WeChat, Meituan and so on can avoid new consumption.

Confirm the result

If the general credit card cannot be cancelled immediately, there will be a liquidation period, which is basically 45 days. The purpose of this is to ensure that there is no delayed transaction after the card is cancelled. During this period, no one is allowed to deteriorate consumption, otherwise the card will not be cancelled. When the time is up, you can call the bank to check whether the card has been cancelled successfully.

Classification of credit cards:

According to the different card issuers, it can be divided into bank cards and non-bank cards.

(1) bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.

(2) Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.

How to cancel an account with a credit card?

1. Call customer service to cancel the credit card.

You can call the bank credit card 24-hour customer service hotline to apply for card cancellation. When you cancel the card, you can't owe money on the account, and in order to ensure the safety of the account, you must take the card with you when you cancel the card by phone.

2. Cancel the credit card at the bank counter.

If your bank credit card is unused and lost, you can only cancel it at the bank's outlets. If there is a new account payable within 45 days (inclusive) after the card is cancelled, it will still be borne by you. After returning the card for 45 days, if the account has no arrears or overflow, the system will automatically close the account without going through any formalities.

Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay.

Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

apply for

In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China.

When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank.

After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

Pin card

Before the credit card is cancelled, the account balance must be settled, and the whole process of card cancellation must be completed within 45 days after the application.

How to close the credit card?

If a cardholder needs to cancel his credit card, he can apply for cancellation in the following two ways:

1. Counter cancellation: Credit card users can bring valid ID and credit card to the counter of the issuing bank to apply for cancellation of credit card, and then the staff will help us cancel the credit card.

2. Telephone cancellation: If you don't want to use the credit card, the cardholder can directly call the customer service hotline on the card face of the credit card, transfer to manual service according to the voice prompt, then enter the ID number, credit and other information for identity verification, and then apply for cancellation of the credit card. When applying to the manual customer service for canceling the credit card, the customer service may persuade us to continue using the credit card. If we really don't need to continue to use it, then be firm.

Note: Whether you choose to cancel your account at the bank outlet counter or call the customer service hotline, you need to pay off your credit card debt in advance and ensure that there is no balance in your credit card account before you can cancel your credit card account. Otherwise, no matter whether the account has a balance or a debt, the credit card cannot be cancelled.

Finally, I would like to remind you that under normal circumstances, the card withdrawal period is 45 days, and the bank will only cancel the credit card for the user if it is confirmed that the cardholder has not generated a new bill within 45 days. Remember to call the bank's customer service hotline 45 days after applying for cancellation of the credit card. It is recommended that the credit card be completely destroyed with scissors after the cancellation is successful. If you don't want to cancel your credit card within 45 days, you can apply for cancellation.

If the credit card holder has overdue behavior in the process of using the credit card, it is generally not recommended that you apply for cancellation of the credit card after paying off the arrears. The correct way is to continue to use the credit card and keep the repayment record, so that you can use the good record to write off the previous overdue bad.

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So much for the introduction on how to cancel the credit card account.