Postal credit card cancellation

How much is the credit card of Postal Savings Bank? What should I pay attention to when selling cards?

Nowadays, credit cards can be said to have everything, and almost everyone has more than one credit card. For those credit cards that are not often used, people often cancel them. If you cancel your card, different banks may have different regulations, so the way to cancel your card may be different. Then, how to sell the credit card of the Postal Savings Bank? I will answer your question today.

How much is the credit card of Postal Savings Bank?

I. Card withdrawal at bank outlets

If there is a business outlet of the Postal Savings Bank near you, you can take your postal savings credit card and your ID card to the business outlet of the bank and ask the staff at the counter to help you cancel the card.

Second, the bank customer service phone card sales

Because going to the outlet to handle business often needs to queue up to get the number, it may sometimes take a little time. If it is too troublesome, you can call the customer service hotline of Postal Savings Bank at 95580 or 400-889-5580 to return the card. You can apply directly to the customer service staff for card refund through manual service.

What should the Postal Savings Bank pay attention to when selling credit cards?

1. Before you cancel your card, be sure to check whether there is any debt or balance in your credit card. Pay off the debt first, and take out the balance. Of course, if your balance is not much, you can also choose to give up directly.

2. After you have handled the card refund business, you still need to be audited by the bank. The review time is 45 days. After 45 days, the bank will officially cancel your credit card.

The above is about "how to sell the credit card of the Postal Savings Bank? What aspects should I pay attention to when selling cards? " The answer is that friends who need to cancel the credit card of the Postal Savings Bank can take the methods summarized above. It should also be noted that after the card is cancelled, it must be cut off to avoid information leakage.

How to cancel the credit card of Postal Savings Bank?

1. Call the credit card customer service phone of Postal Savings Bank to apply for account cancellation. The telephone number for canceling the credit card of Postal Bank is 95580. After the information is checked successfully, the card will be cancelled for you.

2. Apply for account cancellation at a nearby postal bank outlet. Cancel the credit card through the counter service staff.

In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, a legal person can also be an applicant.

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.

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 certificates and vouchers to the issuing bank.

After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

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

Usually, the bank will review the information and economic situation of the applicant 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.

How to cancel the credit card of Postal Savings Bank?

1. Call the credit card customer service phone of Postal Savings Bank to apply for account cancellation:

Users directly dial the bank credit card customer service hotline, apply to the manual customer service for card cancellation, and then cancel according to the steps provided by the customer service.

2. Go to the postal outlets to cancel the credit card:

Bring my valid ID card and postal credit card to the Postal Savings Bank to cancel the account, fill out the application for account cancellation at the same time, and call again in a few days to confirm that you can cancel the account.

Postal savings credit card is a RMB credit card, which is a UnionPay standard card. It has all the functions and services of UnionPay standard credit card and can be used freely at home and abroad. The card is valid for three years and can be equipped with four supplementary cards. The main pattern of the credit card of China Postal Savings Bank is the Chinese character "Ding", the background color of Puka is blue-green, and the background color of Gold Card is golden yellow.

According to statistics, by 20 10 to 10, China Postal Savings Bank had completely covered all cities, 2 100 counties, cities and major towns, and about 4,500 outlets across the country had started this business. In just a few years, China Postal Savings Bank has developed very rapidly. From its opening to 20 10 and 10, China Postal Savings Bank issued nearly 4 million loans nationwide, amounting to over 230 billion yuan, with an average loan of about 59,000 yuan. China Postal Savings Bank issued150 billion yuan in rural areas at or below the county level.

The following items should be paid attention to when canceling the credit card of postal bank:

1. Confirm whether to cancel the credit card of Postal Savings Bank 46 days after applying for cancellation. Credit card cancellation is generally handled through telephone banking, but telephone banking was not successful at that time. Generally, the cardholder should call the bank to confirm whether to cancel the account 46 days after returning the card, so as to avoid the bank failing to return the card for some reason, but the cardholder thinks that the card return is successful, which will cause unnecessary trouble in the future.

The second is to pay off all debts in time before canceling the credit card. This debt includes not only the account debt, but also the annual fee. If we pay attention to the former and ignore the latter, the cardholder's card may be in arrears after cancellation. Therefore, you must ask clearly when you cancel your card, and never leave a penny in debt.

The third is to cut the magnetic stripe after canceling the credit card. If the card is complete, it may be used in some consumer places that only need to check the information. The best way is to cut the magnetic stripe into pieces and throw it into different garbage dumps to prevent people with ulterior motives from stealing it.

How to cancel the postal savings credit card

Telephone application: When users need to cancel their credit cards, they can call the credit card customer service hotline of Postal Savings Bank and ask the staff to cancel their cards and inform them. After the information is checked successfully, the card will be cancelled for you. Bank application: If there are users of the Postal Savings Bank around you, you can directly take the Postal Savings Bank credit card to a nearby bank outlet and cancel the credit card through the counter service staff.

Credit card late fee means that when the actual repayment amount on the due repayment date of the credit card is lower than the minimum repayment amount, the cardholder needs to pay late fee for the unpaid part of the minimum repayment amount, which is generally 5% of the unpaid part of the minimum repayment amount. However, due to different bank policies, the minimum amount set is not the same. Therefore, cardholders with a large overdraft during the Spring Festival holiday must bear in mind the last repayment date after receiving the bill and try to pay off all expenses before the due repayment date. If you really can't afford to pay, apply for installment repayment as soon as possible or adopt the minimum repayment method to avoid being penalized by the bank. People who have no economic income, such as students, should not apply for credit cards easily. Even if you don't use a credit card, you have to bear the annual fee and other items. Credit card holders give up using their credit cards and return them in time, otherwise, the various expenses of credit cards and the interest and late fees incurred thereafter will lead to personal economic losses and credit reduction, and affect mortgage and car loans.

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. When handling the account cancellation business, the agent must hold a written power of attorney from the client and bring the original valid identity certificate. 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 has done 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, so that the bank will carry out liquidation; On the other hand, if the cardholder is in consumption abroad or withdraws cash, 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.

How to cancel China Postal Savings Credit Card?

Credit card cancellation method of Postal Savings Bank:. Telephone application \ When users need to cancel their credit cards, they can call the credit card customer service hotline of Postal Savings Bank and ask the staff to cancel their cards and inform them. After the information is checked successfully, the card will be cancelled for you. Bank application \ If there are users of the Postal Savings Bank around you, you can directly take the Postal Savings Bank credit card to a nearby bank outlet and cancel the credit card through the counter service personnel. \ Tips: How to quickly call the Postal Savings Bank Credit Card Center \ Customer Service Phone of Postal Savings Bank Credit Card Center: 4008895580. Call the credit card customer service phone of Postal Savings Bank: 4008895580. Press "0"-"0"; Just enter "ID number or #" after hearing the voice prompt. \ Due to the limited number of customer service staff in the Postal Savings Bank, sometimes it takes a while to connect to the manual service.

How to cancel the postal savings credit card

1. Telephone application: When customers need to cancel their credit cards, they can call the credit card customer service hotline of the Postal Savings Bank and ask the staff to cancel their cards and notify them. Successful inquiry will cancel your card.

2. Bank application: If there are users of the Postal Savings Bank nearby, they can directly take the Postal Savings Bank credit card to a nearby bank outlet and cancel it through the counter staff.

Postal savings credit card is a RMB credit card, which is a UnionPay standard card. It has all the functions and services of UnionPay standard credit card and can be used freely at home and abroad. The card is valid for three years and can be equipped with four supplementary cards. The main pattern of the credit card of China Postal Savings Bank is the Chinese character "Ding", the background color of Puka is blue-green, and the background color of Gold Card is golden yellow.

According to statistics, by 20 10 to 10, China Postal Savings Bank had completely covered all cities, 2 100 counties, cities and major towns, and about 4,500 outlets across the country had started this business. In just a few years, China Postal Savings Bank has developed very rapidly. From its opening to 20 10 and 10, China Postal Savings Bank issued nearly 4 million loans nationwide, amounting to more than 230 billion yuan, with an average loan of about 59,000 yuan. China Postal Savings Bank issued150 billion yuan in rural areas at or below the county level.

Credit card type:

Puka;

Gold card;

Self-mailing family co-branded card;

China-Damei Travel Card;

China-Hainan International Tourism Island Card;

Postal savings travel credit card;

Postal savings Qiandao Lake tourism joint credit card;

Postal savings Zhongyuan gourmet credit card;

Anhui Communications Co-branded Credit Card;

All-currency credit card.

Card meaning:

The main pattern of China Postal Savings Bank credit card is Chinese character Ding, and the background color is blue-green.

"Ding"-Since ancient times, "Ding" has been regarded as a heavy weapon to spread the country and a symbol of the country and power. The word "Ding" in Chinese characters has also been endowed with extended meanings such as "distinguished", "distinguished" and "grand". The design of the card takes Ding as the main element, which embodies the connotation of sincerity and trustworthiness and the service commitment of China Postal Savings Bank to "stand for you".

Puka blue-green background color-incorporating green, healthy, convenient and fashionable life concept.

Gold card on gold-24 K gold courtesy, showing distinguished life.

Special shiny material-international advanced technology, showing the fashion and noble quality of cardholders.

So much for the introduction of postal credit card cancellation.