You can cancel your credit card account in the following ways:

1. You can bring your ID card and related credit card to the corresponding bank counter for cancellation.

2. Call the bank's customer service hotline directly, and then transfer to the manual service, so that the manual customer service can apply for canceling the credit card.

3. You can upload your ID card, credit card and other information on the official online banking, fill in the account cancellation application and submit it.

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.

There are two ways to cancel a credit card.

There are actually two ways to cancel a credit card: returning the card and canceling the account.

If you cancel your card, you will cancel a credit card in your name, and if you cancel your account, you will cancel all your credit cards in a bank.

For example, we have three different credit cards in a bank, so if we cancel these cards, only one credit card will be cancelled, and if we cancel the account, all three credit cards will be cancelled.

If we don't want to keep a bank credit card, we should choose to close the account instead of returning it.

Method of canceling credit card

There are generally two ways to cancel credit cards: customer service phone cancellation and bank outlet cancellation.

Customer service call cancellation

We can call the bank's credit card customer service phone to enter the labor service and tell the labor service that we need to cancel the credit card business. Under normal circumstances, the manual customer service will retain us, and after we explicitly refuse, the customer service will help us cancel the business.

Revocation of bank outlets

We can take my ID card and credit card to the branch of the bank to cancel the business. We can also complete the cancellation after completing the corresponding procedures.

Precautions for canceling credit cards

1. Before logging off, check whether the card has available points, activities you can participate in, rights you don't enjoy, etc. In order to avoid waste, it is best to cancel the business after use.

2. Pay off all credit card debts and confirm that there is no other installment business.

3. When canceling, the bank's customer service will try its best to retain it, including providing lifelong annual fee-free service, giving away points and being mentally prepared.

4. After successfully canceling the credit card, destroy the card in time.

5. account cancellation may affect the bank's credit card processing again in the future.

How to cancel the credit card?

You can't cancel your credit card on your mobile phone. Credit card cancellation can be handled in the following ways: calling the credit card customer service hotline (usually you can find the customer service phone number on the back of the credit card), canceling the account at the bank outlet and canceling the account at the credit card bank counter. You must be a cardholder to cancel your credit card. When canceling a credit card, you need to pay off the credit card debt, and you can't repay it in excess, otherwise you can't cancel the credit card.

Call the credit card customer service hotline to cancel the credit card: there is a 24-hour customer service phone on the back of the credit card. Customers can call to cancel their credit cards. After the customer makes a phone call, he will ask the human customer service staff to explain the specific situation according to the relevant telephone prompts, and the customer service staff will assist in handling it. However, it will take several working days and cannot be cancelled immediately. (Tips: Some banks do not support credit card counter account cancellation)

Cancel at the credit card bank counter: customers can cancel their credit cards at the credit card bank counter, not necessarily at the bank where they opened the account. For example, the credit card of Bank of Communications can be cancelled at any bank of communications counter. The premise is that the customer must guarantee to settle the credit card arrears, and I will personally handle the account cancellation business.

If you no longer use your credit card for personal reasons, you should cancel it in time to avoid being used maliciously.

1. For the credit card that has not been opened, if the customer does not intend to activate it, it is also necessary to cancel the credit card, otherwise the customer will have to pay an annual fee. It is recommended to cancel the credit card in time within one month after issuing the card, no later than one year. Most bank counters do not provide credit card cancellation service. Cardholders need to call the bank credit card customer service number to apply for cancellation of their credit cards (24-hour customer service phone number can be seen on the back of the credit card).

2. After the cancellation of the credit card, the credit card will enter a 6-month freeze period, also known as the risk period (the situation of different banks may be different, usually between 45 days and 6 months). During the freezing period, the customer has no new arrears, and the card will be officially cancelled after the freezing period.

According to historical records, the earliest credit card appeared at the end of 19. From 65438 to 1980s, the British clothing industry first developed credit cards, and then the tourism and business sectors followed suit. At that time, the card could only be used for short-term commercial credit, not long-term arrears, and there was no so-called credit line.

Generally speaking, credit cards are mostly cards with a length of 85.60 mm, a width of 53.98 mm and a thickness of1mm. The name and number of the card issuer and other related contents will be printed on the front, and the signature strip will be printed on the back. Cardholders can use their own cards to spend in some specific units, and they can enjoy certain preferential strength. The first bank to issue credit cards was Franklin National Bank in California. As early as 1952, they seized the opportunity and became the first bank to issue credit cards. Since then, many banks have issued their own bank cards, and this queue is getting bigger and bigger. In 1960s, bank credit cards were welcomed by all walks of life and developed rapidly. Credit cards have become popular in many countries. In the 1960s, credit cards have been developed for more than 50 years and widely used in most countries in the world. In 1980s, credit cards formally entered the China market and developed rapidly.

How to cancel an account with a credit card?

1. Call customer service to cancel the credit card.

You can call the 24-hour customer service hotline of the bank credit card 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 cancel the credit card?

To cancel the credit card, you can first call the customer service phone of the bank credit card center with your mobile phone and choose the cancellation service according to the voice prompt. Secondly, you can choose to cancel at the bank counter, bring your ID card and credit card, and fill out the card cancellation application form at the bank. If the credit card has no arrears or overflow deposits after 45 days, it can be successfully cancelled.

1. Another way of saying credit card is that credit card is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm and a thickness of 65,438+0 mm, which are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders do not need to pay cash when using credit cards, and make repayment on the checkout date.

2. Except for some credit cards combined with financial cards, general credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct money from users' accounts. 20 12 February, the bank confirmed that the credit card is safer without password, and if it is stolen, it will share the responsibility with the bank. Enjoy an interest-free period of 25-56 days (or 20-50 days).

3. Credit card consumption enjoys an interest-free period, and the bill amount is paid off before the due repayment date, without any cost. There is no interest-free repayment period for cash withdrawal, and five ten thousandths of daily interest will be charged from the date of cash withdrawal, and the bank will also charge a certain percentage of cash withdrawal fee.

4. In 1960s, credit cards sprouted and developed rapidly in developed countries in Europe and America, such as the United States, Canada and Britain. After more than 50 years of development, credit cards have been widely accepted in more than 95% countries around the world. In 1980s, with the development of reform and opening up and market economy, credit cards, as electronic and modern consumer financial payment tools, began to enter China, and have developed by leaps and bounds in the past decade.

After the financial crisis and the ups and downs of the domestic economy, the credit card market in China has picked up. By the end of 20 10, the total number of credit cards issued in China has exceeded 200 million. In 20 10, the national interbank credit card transaction amount reached 5. 1 1 trillion yuan, and the consumption amount was 2.7 trillion yuan. The proportion of credit card consumption in the total retail sales of social consumer goods continues to increase.

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How to cancel a credit card

You can call the bank's customer service hotline to cancel. However, it is necessary to meet the premise that the credit card can be cancelled by telephone, dial the corresponding bank customer service phone number and enter the information according to the prompt to cancel the account. You can also cancel at the business outlets.

Under normal circumstances, the credit card arrears are not paid off, or the annual fee is not paid, or there is a balance, which cannot be cancelled. Of course, individual banks have other requirements for credit cards. Therefore, you must ask clearly when calling the official customer service phone of the credit card.

Telephone banking is 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. Only those who can cancel can cancel their credit cards by phone.

The bank counter was cancelled.

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

First: Take 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.

Because there are still differences in the regulations of credit cards among banks, and there are many types of credit cards, some banks will have clear regulations on the cancellation of some credit cards.

This concludes the introduction of how to cancel the bank credit card and how to cancel the credit card of CITIC Bank. I wonder if you have found the information you need?