Guangfa credit card cancellation

How to cancel the credit card of Guangfa Bank?

There are several common ways to cancel a credit card account of Guangfa Bank:

1. Cancellation of business outlets of Guangfa Bank: You can cancel at any outlet of Guangfa Bank with your credit card and ID card. This is the safest way to cancel a credit card.

2. You can cancel your credit card by calling the official customer service number of Guangfa Bank: call the 95508 toll-free customer service number of Guangfa Bank and press 1-0 to accept the manual service. Please ask the customer service of Guangfa Bank to help you cancel. This way of canceling credit cards is more convenient and faster.

First of all, the steps to cancel the call are as follows

1. Check whether there is any debt first-you can follow Guangfa Credit Card through WeChat and click on My Card-My Bill to check the bill information. If you owe money, you must repay your credit card before you can cancel it.

2. Turn on your mobile phone and call the 24-hour customer service hotline on the back of Guangfa Credit Card: 95508. After dialing the number, enter the 6-digit telephone service password according to the prompt, and then press the manual service to tell the customer service that you want to cancel the Guangfa credit card. The general customer service will ask you the reason for canceling this card. After the reply, the customer service will register and cancel your credit card. Please cut the card from the chip after cancellation.

Matters needing attention for credit card cancellation of Guangfa Bank:

1, credit card cancellation is divided into card cancellation and account cancellation. Generally, cardholders only need to cancel their credit cards, and there is no need to cancel their accounts. The cancellation of credit card will have an impact on the future application for the bank's credit card;

2. If there are still points in the credit card that need to be cancelled, it is recommended to redeem them all. If you really can't exchange it, you can also transfer it to other credit cards of your peers. If there is no other credit card, the cardholder can still import the points into the new credit card without canceling the cardholder's account.

3. After submitting the application for cancellation of credit card, the credit card holder shall not use the credit card again before it takes effect. If you use it halfway, the credit card cancellation application will be automatically revoked;

4. The credit card may still be stolen after cancellation, so the cardholder needs to cut off the magnetic stripe of the credit card and discard it after formal cancellation.

Extended data:

Card Issuing: After the applicant successfully applies for a credit card, the card issuing bank will open a separate credit card account for the cardholder at the card issuing bank for shopping, consumption and settlement after cash withdrawal.

Card opening: Since the card is mailed after the credit card application is approved, there is no guarantee that the recipient is the applicant. In order to protect the applicant and the bank from theft, the credit card has a card opening procedure before it is officially opened. Card opening is mainly through telephone or Internet. , check the relevant personal information provided at the time of application, and complete the card opening procedures after meeting the requirements. At this point, the applicant becomes the cardholder and can officially start using it after signing on the back of the card.

Identification: The credit card has at least the following information on its surface.

Front: name and logo of issuing bank, credit card type (organization logo) and holographic anti-counterfeiting logo, English or pinyin name, activation date (generally calculated to month) and effective date (generally calculated to month). The chip is attached to the front of the newly issued card, and the chip account and the card magnetic stripe account are two relatively independent accounts.

Back: the magnetic stripe of the card, the cardholder's signature column (which must be signed after activation), the service hotline, the last four digits or all (to prevent fraudulent use), and the credit card security code (the last three digits of the signature column on the back of the credit card are used for credit card activation, password management, TV, telephone and online transactions, etc. ).

Authorization: after the merchant and the bank confirm that the credit card is valid, they contact the bank to request authorization according to the contract signed with the issuing bank. Authorization is the amount that can be used to further prove the identity of the cardholder. Authorization is generally carried out when the use amount stipulated in the contract is exceeded. After receiving the authorization notice, the issuing bank will issue an authorization instruction according to the balance of the cardholder's deposit account and the agreement that the bank allows overdraft, and reply whether to agree to the transaction.

Uses: Credit cards are usually limited to the cardholder's own use, and lending them to others is generally a violation of the use contract.

Cancel the card: before canceling the credit card, you must clear the account balance and complete the whole process of canceling the card within 45 days after applying.

CGB Credit Card Customer Agreement (Personal Card) -CGB official website

How to cancel the cancellation of Guangfa Credit Card?

Credit Card Cancellation Process of Guangfa Bank

1. According to the regulations of Guangfa Bank, when the credit card of Guangfa Bank is cancelled, there can be no arrears in the credit card account; If there is still outstanding debt, the cardholder needs to repay the debt before cancellation. Therefore, the credit card of Guangfa Bank needs to be repaid before it is cancelled. Similarly, if there are any overpayments left in the credit card, the cardholder needs to withdraw all overpayments before canceling.

2. In order to ensure the security of the account, when canceling the card by phone, the card must be beside the cardholder. If the credit card has been lost, the cardholder needs to report the loss before canceling the card. It should be noted here that the loss reporting of bank credit cards usually requires a handling fee; If you don't report the loss, you can't cancel it directly. If it is cancelled in time, it is also in danger of being stolen, and the loss of stolen brush shall be borne by the cardholder.

3. To cancel the credit card of Guangfa Bank, you can directly call the customer service telephone number 95508 of Guangfa Bank, and you can apply for the cancellation of the credit card without going to the branch of Guangfa Bank in person and explaining the intention of canceling the credit card to the customer service.

4. After receiving the cardholder's application for card cancellation, Guangfa Bank will review the cardholder's credit card status within a period of time, including whether there is arrears or excessive repayment. Without special circumstances, the general bank will officially cancel the credit card for the cardholder within one month to one and a half months.

To sum up, the above three methods are often used to cancel. Usually, it is very simple to cancel the GDB card, and the cardholder can cancel it directly after confirming that the account has no arrears. After the credit card is cancelled, the cardholder's information is still in the bank, but this credit card cannot be used.

How to cancel Guangfa Credit Card? Are the steps complicated?

You can cancel Guangfa Credit Card in the following ways:

1. Cancel the card by phone.

First, make sure there are no debts and balances in the account. You can check through telephone banking or ATM, and then call the credit card manual customer service to inform the customer service of your needs and ask the customer service to cancel your credit card.

2. Go to the outlet of Guangfa Bank to cancel the card.

Go to any branch of Guangfa Bank with your credit card and your identity, ask the staff how to cancel the credit card, fill out some application forms they gave, and then wait for the call to the counter.

3. Cancel at the counter of Guangfa Bank.

The cancellation of bank counters is the same as the cancellation of cards at outlets. You need to bring necessary documents, such as ID card and credit card. If the credit card owes money, you need to bring cash with you.

I also asked the staff how to cancel their credit cards, fill out some application forms they gave, and then wait for the station to go to the counter.

Extended data:

The customer service telephone number of China Guangfa Bank is 400-830-8003.

Credit card special line 95508