Have you notified the credit card?

The courier will call or send a text message to inform you to pick up the card.

After the credit card is approved, it needs to be made into a card. It usually takes about 1-2 working days. After the card is issued, it will be notified by SMS:

1. If it is registered mail, it will be received in about 7- 15 days;

2. If it is sent by EMS, it will take 3 to 4 days for the whole country, 2 days for this province and 7 days for foreign countries (countries that have signed peace treaties with China);

3. After receiving the SMS notification from the bank card, you can check the delivery progress through the single number in official website Post;

The above is calculated from the time when the bank sent it, excluding the time when the business card was printed.

Credit card application conditions:

I. Processing conditions:

1. Age requirement: 18-60 years old.

2. Have a stable job and income source.

Second, the materials and certificates that need to be provided when handling:

1. Domestic residents only need to provide: a completed and signed application form, identity certificate, residence certificate and income certificate;

2. Foreigners and Hong Kong, Macao and Taiwan people also need to provide: a foreigner's residence permit (the reason for residence must be employment) or a foreigner/Hong Kong, Macao and Taiwan people's employment permit;

3. If it is a private owner, in addition to the above information, it is also required to provide a copy of the business license showing the name of the applicant, the name of the enterprise and the commencement date.

Three, if you want to apply for a large credit card, you need to provide good proof of economic strength, such as:

Copy of real estate license and automobile driving license; Bank loan account (good credit, overdue for no more than 60 days) or copy of deposit certificate, etc.

Fourth, the handling method:

1, bank counter application;

2. Credit card application in official website;

3. Apply to the bank credit card salesman;

Credit card cancellation method:

1, distinguish between cancellation methods.

Credit card cancellation is divided into two ways: single card cancellation and whole household cancellation. The former is to cancel a single card under the cardholder's name, and the latter is to cancel all credit card accounts under the cardholder's name.

The cardholder must pay off all debts before he chooses to cancel the account, but this condition is not required when he chooses to cancel the account single card and there are other cards in use.

2. The pin card must destroy the magnetic stripe.

Many cardholders throw their credit cards everywhere after handling the appointment fee, thinking it is useless. However, the cancelled credit card still has a lot of personal information, and it may still be stolen if it is not careful.

Therefore, after the pin card is finished, the magnetic stripe must be cut and scraped.

3. Pay attention to the card withdrawal period.

From the application for card withdrawal to the final successful card withdrawal, this stage is called "card withdrawal cycle". This cycle is mainly because banks let cardholders pay off all debts in order to avoid bad debts. The "card withdrawal period" is generally 45 days.

During the card withdrawal period, the cancelled credit card cannot be used except for normal repayment. If the cancelled credit card is still in arrears, and you don't repay it within the period of card withdrawal, even if you withdraw the card, it will still lead to a bad credit record.

Therefore, whether it is a telephone cancellation or a counter cancellation, you must call the bank to inquire about the cancellation after 45 days, and the cancellation will be considered a real success after confirmation.

Your friend failed to confirm the card withdrawal after 45 days because he didn't confirm the arrears during the card withdrawal period, and was on the credit blacklist.

Therefore, if you want to cancel your credit card, you must be careful not to owe money, and don't throw it away immediately after the card is cancelled. You must confirm whether there are any fees during the card withdrawal period and whether the card has been successfully withdrawn after 45 days.