Write off.

1. For credit cards that have not been used for a long time, users should pay off the arrears and brush off the overpayment after consulting the official customer service of the issuing bank.

2. After handling the above steps, the user who wants to cancel can redeem all the points in the credit card.

3. After completing the above two steps, the user can officially cancel the useless credit card.

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At present, the number of credit cards issued by major banks is increasing every year, which also shows that more and more people use credit cards, and more and more credit cards will be held by everyone, which leads to the idleness of some cards, including the following situations:

1, the line is too low.

2. There are few preferential activities.

3. The utilization rate is relatively low

4. Processed but not activated cards

I applied for a more advanced card in this bank.

These cards that have been idle for a long time are also called sleep card, especially the last one. Many small partners may forget the existence of the original Puka when they are excited after handling the more advanced Platinum Card through the curve withdrawal, and they will be idle for a long time, resulting in the card being charged an annual fee, but it has not attracted attention and finally became overdue.

So we must take a closer look at whether these cards appear in our credit cards. If so, we must deal with it as soon as possible. Today, Ke Ben will talk to you about the process of credit card cancellation:

1. Before we cancel the card, we need to confirm whether our credit card has paid all the debts. If there is any outstanding debt, we should pay it off before canceling the card.

2. Call the customer service of the bank and ask if this credit card has an overdue record in the past two years. If yes, I suggest that you don't need to cancel this card for the time being, and use it for at least another two years, and make sure that it will not expire during use, so that your credit information will not be affected.

3. Log in to the mobile phone application of the credit card and check your points. If you have more points, you can remove them first and exchange them for gifts or phone bills. In short, don't let the points go to waste.

After doing the above three things, we can call the customer service of the bank and ask for cancellation of the credit card. After the bank confirms that there is no problem, it will go through the formalities of returning the card for you. Credit cards that have been cancelled by the bank do not need to be returned to the bank. Here, Ke Ben suggested that you should cut off the cancellation card. Of course, if you think the cards look good, you can keep them for collection.

Special reminder, after 45 days of card withdrawal, it is best to call the bank customer service again to confirm whether the credit card has been successfully cancelled!

In addition, many people seem to be somewhat vague about the concepts of card refund and account cancellation. Many small partners think that returning the card is to cancel the account, but it is not. There is a big difference between the two. You know, every cardholder has an account in the bank, and there may be multiple credit cards under an account. The so-called card cancellation is only the cancellation of credit card, and the cancellation of account is the cancellation of all information in the bank.

So what should we do with those unused credit cards, cancel them or cancel them? In fact, after we understand the difference between canceling the account and returning the card, this problem becomes very simple.

If there are not many discounts on credit cards, there are few opportunities for their own use, and there is no room for improvement in the quota, then we can choose to return the card; And if the credit card is obviously easy to use, but the credit card limit cannot be increased because of some bad habits of using the card before, then we can choose to cancel the account, maintain a close business relationship with the issuing bank, and then apply for the bank's credit card six months later. I believe that the credit line will be greatly improved.

What happens if you don't use your credit card all the time?

1. If the credit card has been idle and has not been cancelled or reported lost, the bank may automatically deduct the annual fee.

Because most credit cards have annual fees, and some credit cards have hard annual fees or must meet certain conditions to avoid paying annual fees in the following year.

2. The bank may adjust the quota.

In fact, the credit card limit can be adjusted. If the credit card is idle for a long time and there is no consumption record, then the bank may adjust the credit card limit.

3. Information about the credit card will be recorded in the credit report, including whether the credit card has been activated or expired.

In other words, whether the card is activated or not will be recorded in the central bank's credit report. If the annual fee is deducted from the credit card but it is not repaid in time, it will affect the credit history. If you have a card handling record, but no use record, you can refuse to apply for a credit card in the future.

Failure to activate the card after application, or failure to use it after activation, will affect the pass rate and quota of credit card applications in the future. For some card friends who value the quota, the impact may be even greater.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1 The English Translation and Writing Standard for Public Service was formally implemented, which stipulated that the English name of CreditCard was Credit Card.

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.

From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).

Credit cards are generally plastic cards with a special carrier, with a length of 85.60 mm, a width of 53.98 mm and a thickness of1mm. The name of the card issuer, the expiration date, the number and the name of the cardholder are printed on the front, and the chip, magnetic stripe and signature strip are printed on the back. Cardholders can use credit cards to shop, spend money and deposit and withdraw cash from banks.

What is the impact of long-term empty credit cards?

In fact, the long-term empty credit card has little impact. I don't know if the empty card you mentioned is always full and there is no space, or if the credit card is useless and idle. Generally speaking, there is a little risk when the credit line is often emptied, and there is no risk when the credit card is not used. Next, let's take a look at how to avoid long-term empty cards being banned!

1. What's the impact of a long-term empty credit card?

Long-term empty card refers to the behavior that the credit card is in unlimited availability for three months or more. Simply put, the credit card limit is used up or about to run out. Generally speaking, the remaining 10% credit line can be regarded as an empty card. Long-term empty card will not only increase the price of this credit card, but also bring the danger of card blocking, and even affect the credit card approval and quota of other banks.

Especially for credit cards with higher credit limit, the higher the credit limit, the greater the risk of card closure and credit reduction caused by long-term empty cards. If the credit card has no available quota due to cash withdrawal, it is often empty and easily controlled by the bank, and the bank may downgrade the credit card.

In addition, if the credit card is empty for a long time, it will increase the debt ratio and make the issuing bank question the cardholder's repayment ability. If the cardholder handles the credit business of other banks, it is very likely that the issuing bank will directly refuse.

2. How to avoid blocking credit cards that have been empty for a long time?

Although the bank encourages us to swipe more cards, we strictly monitor our swiping behavior. For example, long-term empty cards will be suspected of cashing out by banks, especially large credit cards with a limit of tens of thousands. Long-term empty cards are also easy to expire. In the bank's view, the greater the risk, the easier it is to be banned.

On the other hand, those small credit cards, because of their low quota, have a relatively small risk factor, as long as they are not overdue, they will be fine.

In short, if the credit card is always empty, there is a risk that the credit card will be frozen. It is recommended that you do not wait until the repayment date after using up the credit line. It's best to pay back the credit card by swiping a few small lines and using high-frequency repayment to reduce the negative impact caused by long-term empty cards.

3. Does the empty credit card affect the credit investigation?

Empty credit cards will not affect credit reporting. After the credit card is emptied, as long as the user repays on time, the biggest impact is that the credit line slows down and the bank reduces the credit line. Only the record of overdue repayment of credit cards, such as three to six consecutive times, will have a serious impact on credit investigation. Occasionally overdue, but it will be paid off immediately, which will not have much adverse impact on credit reporting.

Users are advised not to empty the credit card limit once a month, and brush it to about 80% at most.

Will the credit card be taken back when it is idle?

As we all know, the credit card withdrawal amount is influenced by many factors, such as the cardholder's card use behavior and credit status. Generally speaking, the frequently used credit card will withdraw cash faster, so will the credit card be withdrawn when it is idle?

1. From the bank's point of view, it is natural to hope that cardholders will use credit cards more and let the bank earn handling fees. In addition, they can also understand the cardholder's spending power and repayment ability by using the card. These are one of the key factors to judge whether a credit card can be withdrawn.

2. If the credit card is idle, it will send a message to the bank that there is no demand for the credit card. If the bank sees that the existing credit card is useless, it will not necessarily increase the credit card. In addition, it is not clear about the cardholder's spending power and repayment ability.

3. However, if the cardholder does not use the card, but the credit conditions change, such as buying a house, a car, or buying wealth management products at the bank. Upload the relevant financial certificate through the credit card official website, indicating that there is no major problem with the cardholder's repayment ability, and it is possible to raise the amount, which is subject to the evaluation results of the banking system.

The above is the introduction of whether the credit card will be kept when it is idle, hoping to give you some reference.

Will there be a charge for idle credit cards? Do you know these effects?

There are many people applying for credit cards now, but not everyone needs them. For example, some people follow the trend and find that they don't need it, so they will leave their credit cards idle. It should be noted that idle credit cards will be charged, but mainly according to the different types of credit cards. Let's have a look.

Will there be a charge for idle credit cards?

Credit cards all have annual fees, but some cards can enjoy annual fee concessions, and some cards must be charged, that is, non-annual fees and annual fees.

Among them, the non-annual fee card refers to the ordinary credit card that everyone handles, such as the Puka Gold Card. This credit card is not activated and there is no charge. After activation, you can basically reduce the annual fee by swiping the card number. For this reason, if you don't activate this idle credit card, you don't have to worry about the cost. If it is activated, it depends on whether you have brushed the annual fee enough times before it is idle. Deduct the money directly without paying enough annual bank settlement fee.

Usually, if the card is successful, the annual fee will be deducted. Even if it is used every month, let alone idle, the cost will be at least several hundred, and there will be thousands. However, relative to the cost, the rights and interests of such credit cards are still overestimated. As long as the card is used, there is still a chance to earn it back, but if it is idle, there is no way.

Other effects of idle credit cards!

In addition to the possible cost, idle credit cards will have other effects. One is that there will be security risks. Many credit cards are flash payment cards, and the small secret-free service is opened by default. If someone finds out, it may be stolen. One is a credit card that has not been traded for more than 180 days. Some banks will control the transaction, but they find it useless when they want to brush it.

In short, if you have an idle credit card, you'd better check whether there is demand. It's really useless If the credit card has no overdue record, it is best to cancel it, without worrying about handling fees and various risks.

Idle credit cards are not necessarily harmful, so don't wait until it affects credit information before you regret it!

Nowadays, it is common for people to have multiple credit cards, but this does not mean that all the credit cards they hold can be used. In particular, quite a few people go to Kali. With gifts, they will throw away their credit cards and leave them alone. Then these cards are idle. A bad one will have various consequences, and serious one will endanger personal credit. Let's have a look.

1, idle credit cards may have these hazards.

More directly, it will affect credit reporting. Of course, idle credit cards include inactive credit cards and long-term useless credit cards, which may affect credit investigation regardless of their status. There is a lot of news that many people have good financial ability, but because of the influence of idle credit cards, they can't even apply for mortgages.

In addition, credit cards are easy to be stolen when idle. Now many credit cards can be used without entering a password. If your credit card falls into the hands of criminals, it will be stolen and bring property losses to yourself. Not to mention that this kind of credit card still has certain security risks. After all, the personal information of the cardholder is stored on the magnetic stripe/chip of each credit card. If not handled properly, it will lead to the disclosure of personal privacy information.

2. Why does credit card idleness affect credit reporting?

The influence of idle credit cards on credit reporting can be divided into two situations according to the activation status:

1) Inactive credit cards will be charged: no credit cards, no annual fee. However, most credit cards above platinum level and some credit cards with special materials will be charged if they are not used. Some will charge an annual fee, while others will charge a business card printing fee. If the deducted expenses are not repaid on time, personal credit will be affected if they are overdue.

2) Number of times after activation: Except for high-end credit cards, most credit cards can reduce the annual fee by swiping their cards. If the card is idle without paying enough annual fee, the annual fee will also be deducted. If you don't repay in time, you will naturally be deducted.

3. Analysis of the disposal methods of idle credit cards.

1) If the idle credit card has not been recharged and the credit information has not been affected, the best way is to cancel the account directly. You can take your credit card and ID card directly to the bank branch counter. But it takes 45 days for the credit card to be officially cancelled. In the meantime, you should make sure that the credit card will not generate any fees, and don't use the credit card again, otherwise the cancellation will not succeed.

2) If the idle credit card has generated bad credit due to overdue, cancellation cannot eliminate the bad credit record. After repayment, you must use the card for 2 years. Just cover the bad credit with a new credit record and then cancel the card.

So much for the introduction of idle credit cards.