Will the card of Guangzhou Rural Commercial Bank be cancelled if it is useless?

Under normal circumstances, a bank has no right to cancel its bank card for a customer's account without obtaining a customer's face-to-face or written application. There is an exception, that is, if the customer does not use the account for a long time, and the account amount is less than 1 yuan, excluding the management fee, the account will be listed in sleep card, making it unusable. If you want to activate the bank card, customers only need to bring ID cards and other related documents to any branch of the issuing bank to handle business.

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.