Will you send a text message 45 days after your credit card is cancelled?

There will be no SMS prompt, there will be records in the credit report, and comments will be made after the card is issued.

After the cancellation of China Bank's credit card, the account still exists. If necessary, the customer can also check the transaction record of this credit card.

There are several problems to pay attention to when canceling the card: pay off all debts in time. This debt includes bill debt and annual fee. If there is still arrears in the card, forget it and cancel the card directly. After the interest is accrued, the amount reaches a certain amount, and the bank begins to "collect debts"!

Confirm whether to close the account after 45 days. Credit card cancellation is usually handled through customer service, but it was not successful at that time. When the card is cancelled, the account will enter the pre-cancellation state, and it will take 45 working days to know whether the account has been cancelled successfully.

Cut the magnetic stripe when pinning. If the card is complete, it may be used in some consumer places that only need the card number and do not need to check the information. The best way is to cut the magnetic stripe into several pieces and throw it in different garbage dumps to prevent future troubles.

The choice of credit card is very important. Nowadays, many commercial organizations have bundled cooperative business with banks. For example, they can set up a joint credit card of a department store and the corresponding bank, and they can spend points here as members and get discounts. Or some cards can be discounted at designated merchants, including eating, watching movies, towing services, etc. , there are many names, and you can choose freely according to your own needs. Use your credit card well and choose it well.

Bill installment is the most convenient installment method, which is basically supported by all issuing banks and is simple to apply. Users only need to apply to the issuing bank for installment by phone after spending their credit cards and before sending monthly bills.

However, it should be noted that banks will stipulate some special circumstances, such as speculative credit cards can not be successful in installments. So before the trial run, be sure to read the trial run manual carefully.

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.