Credit card cancellation of Guangfa Bank

Credit Card Cancellation Process of Guangfa Bank

There are two ways to cancel the credit card of Guangfa Bank:

1, customer service phone number

Cardholders can directly call the customer service telephone number of Guangfa Bank at 400-830-8003 or 95508, and apply for account cancellation through manual service after verifying their identity.

2. Counter of bank outlets

Please bring your valid ID card and credit card to any bank branch counter for cancellation.

Need to be reminded that before canceling the credit card of Guangfa Bank, it is necessary to ensure that there is no deposit or debt in the card; After cancellation, the magnetic stripe of the card should be cut as soon as possible to prevent theft.

Once the card is cancelled, it will stop using immediately and cannot be reopened. Therefore, customers must think carefully. If there is still a demand for use, it is not recommended to cancel it directly. As long as the card is well kept, it is no problem to use it temporarily.

You should also note that before canceling the card, you need to confirm whether there are outstanding bills, unrecorded transactions and excessive overpayments. If it exists, it is necessary to pay off the bill arrears and take out all the overpayments before applying for cancellation.

Also, you need to confirm whether the card is bound to other services. If so, you must unbind the business before you can apply for card cancellation, otherwise the card cannot be successfully cancelled.

How to cancel the credit card of Guangfa Bank?

1. Customer Service Phone: Cardholders can call the customer service phone of Guangfa Bank, follow the voice prompts, verify their identity and apply for account cancellation through manual service.

2. Bank outlets: Go through the cancellation procedures at the counter of any bank outlet with your valid personal ID and credit card.

3. Mobile APP: Log in to find the wonderful card APP, and click "My-Common Tools-Card Management-Select Card-More Card Functions-Cancel Card".

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.

The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of the certificate and certificate to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificates.

The application form is accompanied by a contract for using a credit card. The applicant authorizes the issuing bank or relevant departments to investigate its relevant information, and submit a statement on the authenticity of the information, the privacy protection policy of the issuing bank, etc. , and must have the applicant's autograph.

After receiving the application form and related materials submitted by the applicant, the issuing bank shall examine the credit standing of the applicant. The contents of the review mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and reviewing the relevant information of the personal guarantor.

Under normal circumstances, the bank will review the applicant's information and economic situation according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.

The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.

Because the credit card application was sent by mail after being 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. After the credit card is opened, it is generally necessary to set a password for the card. After accepting a credit card, the credit card merchant or bank should review the validity of the credit card and the identity of the cardholder.

Guangfa Credit Card Cancellation Process

The first step is to confirm whether the credit card to be cancelled has outstanding debts. You can log on to the credit card service page of online banking personal account center of Guangfa Bank to check whether there are any outstanding debts.

If you find unpaid arrears such as liquidated damages, interest and annual fees, you need to repay and pay off the arrears. If it is found that there are still remaining deposits in the credit card, you can clear the remaining deposits in the card through consumption and cash withdrawal. If there is any amount that cannot be withdrawn or consumed, you must make a clear statement to Guangfa Bank when you need to give it up.

Step 2: Cancel the credit card of Guangfa Bank. Guangfa Bank has opened a number of credit card cancellation channels. Cardholders can cancel through bank outlets and online banking. However, it should be noted that it takes about 45 days for the cancellation of credit cards to take effect. Because the bank can only return the card after confirming that the card refunder has no arrears. When the user cancels the card, this time may span the next billing cycle, and the bank can cancel the account only after confirming that there is no debt in the previous billing cycle.

Closing an account through a bank outlet: Bring my ID card and the credit card that needs to be closed to the nearest business outlet of Guangfa Bank, fill in the Application Form for Closing an Account, and submit the ID card, Guangfa Credit Card and the application form to the staff. After receiving the application, the staff will process the marketing card.

Cancellation through online banking: open the official website of Guangfa Bank, log in to the personal account center, select the credit card business, then cancel the card, fill in the relevant information according to the process, and finally fill in the reasons for card cancellation and submit the card cancellation application. Just wait for the bank to process the application.

If the unused card is confirmed to have no debt and deposit, it should be cancelled in time.

Credit card cancellation method of Guangfa Bank

The credit card cancellation of Guangfa Bank is mainly divided into two ways: telephone cancellation and business outlet cancellation. 1, call cancelled. It is very convenient for Guangfa Bank to cancel the credit card by phone. Call the toll-free customer service number of China Guangfa Bank and press 1-0 to get manual service. If there is no debt in the card, please ask Guangfa Customer Service to cancel it for you. If you owe money, you must pay it off before you can apply for cancellation.

2. Cancel the business outlets. At present, Guangfa Bank is one of the few banks that can cancel credit cards at its business outlets, which is the most convenient and safest way to cancel credit cards. Users can cancel their credit cards directly at the outlets of Guangdong Development Bank, bring the credit card to be cancelled and your ID card, and go to the outlets to handle it. If you have balance and unfinished business, you need to close your account before you can cancel your credit card. Remind everyone to avoid doing card cancellation during the peak hours of outlets, so as not to waste too much time in line and cause unnecessary trouble.

Note: 1. When canceling a credit card, process the points in the card. If you have any remaining points, please don't forget to redeem them all. If you have more than one card in the bank and only want to cancel one card, you can transfer credit card points to other cards. Of course, some special cards do not support payment conversion, such as airline co-branded cards of some banks and hotel co-branded cards.

2. Banks will hold grudges. Banks will also hold grudges. If you cancel his credit card and apply for another card in a short time, it will often be rejected.

3. No longer a "new resident" for a certain period of time. After the credit card is cancelled, it will not be regarded as a "new account" of the bank for a certain period of time. Even if you successfully apply for a new card from the bank, you will not have the "new account gift" attached to the card.

4. After the cancellation of the credit card, the update of the credit report will be delayed. Generally, after applying for cancellation of the credit card, the bank still needs 45 days to confirm, that is, the credit card can no longer be used during this period, otherwise the cancellation application will be invalid. If you haven't used your credit card for 45 days, you can cancel it smoothly. After the official cancellation, the bank will not update your credit report in a short time, and your credit report may also show this credit card. According to the actual measurement of card friends, it usually takes more than 2 months to update the credit report.

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 the credit card of Guangfa Bank?

Whether the credit card of Guangfa Bank is activated or not, it can be cancelled through the following channels:

1, customer service phone number

Call the customer service telephone number 95508 of Guangfa Bank directly to apply for account cancellation;

2. Bank counter

Bring your valid ID card and credit card to the counter of any branch of China Guangfa Bank for account cancellation.

In addition, before canceling the credit card, it should be noted that there can be no deposits or arrears in the card, especially the activated credit card, and the hidden annual fee should be considered. Also, after canceling the credit card, cut off the magnetic stripe of the card to prevent others from stealing the card and swiping it.

If customers need to cancel the credit card of Guangfa Bank, they can directly call the customer service hotline of Guangfa Bank at 95508 or the credit card hotline at 400-830-8003, press the "0" key to switch to manual service, and then apply to the customer service staff for card cancellation. The customer service staff verified the customer's identity information and confirmed that I put forward the application for canceling the card, which will naturally help the customer cancel the card.

Once the card is cancelled, it will stop using immediately and cannot be reopened. Therefore, customers must think carefully. If there is still a demand for use, it is not recommended to cancel it directly. As long as the card is well kept, it is no problem to use it temporarily.

You should also note that before canceling the card, you need to confirm whether there are outstanding bills, unrecorded transactions and excessive overpayments. If it exists, it is necessary to pay off the bill arrears and take out all the overpayments before applying for cancellation.

Also, you need to confirm whether the card is bound to other services. If so, you must unbind the business before you can apply for card cancellation, otherwise the card cannot be successfully cancelled.

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