Credit cards can't be cancelled on the mobile phone, but you can call China Merchants Customer Service through the mobile phone, and you can cancel it when it is settled. Usually, the card will be permanently cancelled after 45 days of calling customer service. In other words, most banks are not allowed to cancel their credit cards on their mobile phones, and only users are allowed to call the credit card customer service hotline or cancel at the counter through their mobile phones.

Credit card cancellation process:

1, call the customer service phone of the bank and apply for cancellation of the credit card. Note that at this time, the bank customer service will generally retain you. If you decide to cancel the card, don't listen to him "fool" and insist on canceling it.

2. From telephone application for cancellation to official cancellation, there will be a 30 -45-day settlement period in the middle. Never use credit card again during this period.

3. 40 days after the cancellation, call the bank customer service phone to confirm whether the cancellation is successful, so as to avoid leaving a bad record for yourself because of the unsuccessful cancellation for special reasons.

4. Don't discard the cancelled credit card anywhere. Cut the magnetic stripe and then discard it, so as to avoid being picked up by criminals and causing losses to yourself.

Before canceling the credit card, make sure that there is no balance in the credit card, no arrears and no extra deposits. Because once the credit card has a balance, it cannot be cancelled.

There are several points to note when canceling credit cards:

1, pay off all debts in time. This arrears includes bill arrears and annual fees. If there is still arrears in the card, the card will be directly cancelled regardless. After the interest is accrued, if the amount reaches a certain amount, the bank will start to "collect debts"!

2. Confirm whether to cancel the account after 45 days. Credit card cancellation is usually handled through customer service, but it is not successful at that time. When the card is cancelled, the account will enter the pre-cancellation status, and it will take 45 working days to know whether the account is successfully cancelled.

3. Cut off the magnetic stripe when you pin the card. If the card is complete, it may still be used in some consumer places that only need the card number without checking the information. The best way is to cut the magnetic stripe into several pieces and throw them in different garbage dumps to prevent future troubles!

According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.

The credit card stipulated in the relevant laws of our country (Interpretation of the NPC Standing Committee on the Provisions on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or some functions such as consumer payment, credit loan, transfer settlement, cash deposit and withdrawal. On October 20 17 1 February1day, the English translation and writing standard for public services was officially implemented, and the English name of Credit Card was stipulated.

Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment will be made on the Billing Date.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which cardholders have 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 as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.