How to cancel the credit card account of Bank of Beijing?

With the development of science and technology and the popularity of various credit cards, credit card problems have attracted more and more attention of cardholders. Then, about how to cancel the account of Bank of Beijing credit card, Card Baby will give you a detailed introduction here.

Bank of Beijing credit card cancellation

If the cardholder does not intend to continue to use the credit card, in this case, what must be done is to close the account. If there is no account cancellation, the bank will charge an annual fee for the credit card. If the card is not overdrawn, you can apply for account cancellation at any time. Bank of Beijing credit cards are generally valid for 3 years. If the card has not expired, you need to apply first, and then go to the bank to cancel the account after a certain period of time. If the card has expired and the account balance is zero, you can directly cancel the account at the designated bank outlet.

If your card has not expired when you cancel your credit card account, some banks stipulate that you need to go to the designated outlets to receive the card, and then go through the formal account cancellation procedures after a certain period of time (up to 30 days). If the cardholder spends or withdraws cash abroad, it may take several days to settle the account. If the account is closed immediately, it will also affect the normal liquidation of the bank. The cancellation of a single credit card in Bank of Beijing is the cancellation of a single credit card. After the card is cancelled, it becomes invalid and the credit card loses its related rights and interests. If the credit card account is cancelled, all the cards under the account will be cancelled.

Bank of Beijing credit card cancellation method

You can cancel your credit card before you close it, and then apply to Bank of Beijing for cancellation of your credit card. All debt relationships before the cancellation of the credit card are equally valid after the cancellation, and Bank of Beijing will not refund the annual fee charged for the cancellation of the credit card. Bank of Beijing credit card holders can use the reserved mobile phone number to call the customer service number of Bank of Beijing Credit Card Center (4006-60 1 169) to handle the relevant cancellation procedures. When closing the account, you should bring your valid ID card and the original card. If it's not convenient for me to close the account, someone else can help you. The agent must hold the power of attorney written by the principal (himself) and bring the original valid identity certificate to handle the account cancellation business.

Bank of Beijing credit card cancellation related matters

1: Bank of Beijing credit card points are divided into credit card consumption points and mall reward points, both of which are permanently valid within the validity period of the credit card. Points will be invalid only if the credit card or account is cancelled.

2. When canceling the credit card of Bank of Beijing, if there is excess money in the credit card, the cardholder can get it back through ATM or transfer it out. There is no handling fee for the recovery and transfer of overcharged funds by Bank of Beijing.

3. If the cardholder has account information such as debit card or passbook in Bank of Beijing, it is not necessary to completely settle the credit card debt information when applying for cancellation of a single credit card, and the cancelled credit card debt will be automatically transferred to other cards under the account. If the cardholder has only one credit card in Bank of Beijing, he must pay off all the debts in the card before he can successfully close the account when applying for credit card cancellation or account cancellation. After going through the cancellation procedures, the cardholder still needs to bear all the debts that have occurred before the cancellation.

It usually takes 6 months to apply for a credit card after cancellation. For details, please call the credit card service hotline of Bank of Beijing at 4006-60 1 169.