1. Get the reservation number from the bank and line up.
2. Explain to the service staff that you want to cancel the account and hand over the bank card to the bank staff. Usually, you need to fill out the form.
3. Enter the bank card password to confirm that there is no balance in the bank card account. If there is still a balance in the bank card, the cardholder can choose to directly withdraw or transfer to other bank card accounts to complete the bank card account settlement.
4. Cancel the bank card, and cancel the online banking and bound mobile phone number associated with it.
5. The cancellation of the bank card is completed.
Precautions:
1. If there is money left in the bank card, you can go to the counter and withdraw all the money when you close the account.
If your bank card is lost, you need to reissue a bank card first, and then close the account. You need a card fee to reissue the card.
3. For savings cards, if they are not used for a long time, they will generally freeze automatically and will not affect personal credit records. If it is a credit card, it will not freeze automatically if it is not used for a long time, and it may be overdue because of the annual fee.
4. Credit card cancellation must take out the balance on the card and ensure that there is no debt on the card;
5. After the successful cancellation of the savings card, it will not affect the future application. After the successful cancellation of the credit card, if the personal credit is affected by careless use of the card before, it will cause some trouble in applying for a credit card in the future.
Legal basis: Article 34 of the Measures for the Administration of Bank Card Business.
The cardholder can apply for account cancellation after paying off all the transaction funds, overdraft principal and interest and related expenses. When closing an account, the funds in the RMB card account of the Company shall be transferred to its basic deposit account, and the funds in the foreign currency card account of the Company shall be transferred back to the corresponding foreign exchange account, and no cash shall be withdrawn.
Article 35
The unit RMB card can handle the settlement of commodity trading and labor supply, but it is not allowed to overdraw; Exceeding the starting point stipulated by the People's Bank of China, it shall be transferred by the local branch of the People's Bank of China.