If you don't want to use the credit card you just applied for, you can cancel it directly. There are many ways to cancel a credit card. Generally speaking, there are several ways for banks to cancel credit cards:

1. Cancel the bank card at the counter through the bank outlets.

All major banks have credit card cancellation windows and carry relevant documents, such as ID cards and credit cards. If your credit card is in arrears, please bring cash and pay off the arrears.

2. Cancel the credit card through official online banking.

All major banks in China have online banking, which can upload information such as ID cards and credit cards, fill in the application for account cancellation, submit the application, and wait for the bank's confirmation by phone.

3. Cancel the credit card through the official customer service phone number of the credit card.

Call the official service number of the credit card, transfer to manual service, and ask the manual customer service to apply for cancellation of the credit card. Pay attention to the fact that there is no debt and balance on the credit card before calling, otherwise you can't close the account.

4. Cancel the credit card through the official WeChat official account or the official WeChat official account.

At present, all major banks in China have official WeChat accounts. If you find that the bundle is cancelled, you can cancel it on the official WeChat account.

5. Cancel the credit card through the official bank APP.

At present, major banks, including credit card service centers, may have their own official apps, which can directly cancel credit cards.

Problems caused by credit cards:

1, capable consumers are not used to using credit cards, and often do not exceed the credit card consumption limit.

2. Inefficient consumers prefer to use credit cards, but their solvency is poor and their default probability is high.

With credit cards, many people spend more than without them.

4. Using credit card, the handling fee is high, which may have a negative impact on credit investigation.

Credit card is a credit certificate issued by a commercial bank or credit card company to eligible consumers.

Apply for a bank card:

Step 1: screen banks.

At present, the credit card business quotas of major domestic banks are different, which is related to personal consumption records and bank card circulation records. You can choose freely before processing. It is recommended to choose a bank that opened an account before, and you can apply for a large credit card.

Step 2: Prepare the materials.

Need ID card and work permit. Salary cards, driver's licenses, real estate licenses, bank statements and other materials can increase the credit card limit.

Step 3: Counter handling.

Bring the information, go to the bank counter, fill in the credit card application form, submit the materials, and apply for the credit card under the guidance of the bank staff.

Step 4: Online processing.

Major banks have also launched online credit card business. As long as you provide relevant information online, you can post the card after verification.

Step 5: Online processing.

Online processing is fast and convenient, but it takes some time to review.

Step 6: Banks take the initiative to find customers.

In order to seize the credit card market, some banks hold regular activities to attract consumers. If you can catch up with the activity and fully understand the content of the activity, you can also apply for a credit card in time.

Step 7: Suggestions and opinions.

With the rapid and simple processing of credit cards, the risk of using credit cards is also increasing exponentially. Consumers should treat the use of credit cards with a rational consumption attitude. Prevent you from affecting your personal credit. At the same time, we should pay great attention to the use of credit cards to prevent theft.