How to cancel the credit card of CITIC Bank?

Before we cancel the card, we need to confirm whether our credit card has paid off all the debts. If there are still outstanding debts, we should pay them off first before canceling the card.

2, the overall processing

Before you cancel your card, check how many points you have on your credit card and what you can exchange, whether it's a gift or a phone bill. In short, don't let the points go to waste. If it is not exchanged, the points will be cleared when the card is cancelled.

3. Pre-sale account

Call the customer service center of the bank, go through the formalities of pre-cancellation, and ask how many days you need to wait for the liquidation period (usually 45 days). You can go to the bank branch counter to officially cancel the account.

4. Officially cancel the account

The so-called official account cancellation means that the cardholder applies for account cancellation first, and after 45 days, the banking institution that needs the credit card confirms that there is no debt in the cardholder's account. If there are any debts that need to be paid off by the county, all accounts can be cancelled. If you have a balance, you can close your account at the bank counter and withdraw the money saved in your credit card.

5, card destruction

Some banks will automatically cancel customers' credit cards after 45 days without any arrears or overpayments. Customers can directly cut off the magnetic stripe and chip of the card, and cut as many as two knives as possible to ensure that the magnetic stripe and chip of the card cannot be recovered. To be on the safe side, please try to go to the bank counter to confirm that the card has been officially cancelled, and then destroy the card.

Extended data:

Credit card cancellation supplement:

If you don't intend to continue using your credit card, you must cancel your account. If the account is not closed, 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.

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. 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.

If your card has not expired at the time of account cancellation, some banks stipulate that you need to go to the designated outlets to handle the card collection business, and then go through the formal account cancellation procedures after a certain period of time. This is mainly because if the cardholder makes a manual card pressing transaction before closing the account, the cardholder will have closed the account before the merchant submits the card pressing form to the bank for entry, and the bank cannot settle the account normally.

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