How to cancel CCB credit card

How to cancel a CCB credit card account

1. Cancellation by phone: Call the official CCB credit card customer service hotline directly, transfer to manual service, apply for credit card cancellation to customer service, and explain to customer service how to cancel the credit card The reason is that the customer service can cancel the card after completing the identity verification.

2. Cancellation at the counter: Bring your personal identity document and credit card directly to the counter of a China Construction Bank branch to handle the cancellation procedure for your credit card.

It should be noted that when canceling a credit card, it cannot be canceled if there is arrears. In addition, after canceling the credit card at the bank, there is a 45-day waiting period. During this period, the user cannot use the credit card for consumption, but can repay the loan. Once a new bill is generated, the credit card cannot be canceled successfully.

Extended information:

Credit card application:

If customers want to apply for a credit card, they can directly bring their personal ID card and proof of income (such as bank statements, pay slips ) and other relevant information, go to the counter of the selected bank's offline business outlet to ask the staff to apply for a card, then get the application form to fill in, and then hand the completed form together with the information to the staff, and then just wait patiently for the bank Just review

After the bank has completed the approval, it will naturally send a message to notify the customer. If the approval is passed, a card will be printed for the customer, and then the prepared card will be mailed to the customer. Customers can activate it after receiving the card.

Of course, in addition to applying at branches, customers can also apply directly on the bank's official website, mobile banking client or credit card APP. However, everyone needs to be aware that if you apply for a credit card from a bank online for the first time, you may have to go to the bank for an interview later.

Customers should pay attention to keeping the phone open after submitting the card application, because some banks may call the customer to ask for some relevant information during the review. In this regard, if the call is not received in time, it may have a certain impact on the card approval.

Credit card limit increase:

When applying for a credit card, the bank will approve the limit based on the applicant's comprehensive qualifications, and the credit card can also be used to increase the limit. The method is as follows:

1. Use more credit cards to spend money

If you want to increase your credit card limit, you should use more credit cards to make purchases. Try to use your card where you can. It is best to keep the credit card before applying for the limit increase. Have a stable consumption record for several months, and it is best to make about 20 transactions every month. The merchants where the card is swiped should also be diversified.

2. Apply for installments appropriately

Properly applying for installments is conducive to credit card limit increase, but it is best not to make the installments too long. 3 to 6 installments are enough, and the installments are The amount should not be too large either. For example, it is very suitable to apply for installment after consumption during some holidays, and the success rate of increasing the amount is also high.

3. Keep good card usage records

If you want to increase your credit card limit, good card usage records are essential, because if you have a bad record on your credit report, you will not be able to increase your credit limit. Yes, so when repaying a credit card, you must pay it back on time to avoid overdue payments and avoid illegal operations such as cashing out.

How to cancel a CCB credit card

1. Credit card cancellation conditions: It must be handled by myself, no one else can act as an agent, and the credit card cannot contain arrears or overpayments, otherwise it cannot be canceled. So please pay the balance in time before applying.

2. If you meet the above cancellation conditions, call the bank phone number on the back of the card and follow the prompts on the phone to go to manual service - credit card service - apply to cancel the credit card. After successful application, cut the card and destroy it yourself. If there are no changes to the account within 45 days, the cancellation will be successful.

The first step is to take your ID card and go to the nearest Construction Bank to check how many credit cards there are.

The second step is to fill in the card cancellation application form. The card may be collected first (if the card is lost, see if you need to reissue it), and then go through the corresponding card cancellation procedures one month later, but after canceling the card You can also make an appointment directly to close your account on the same day.

The third step, credit card cancellation is divided into card cancellation and account cancellation, which means that after you cancel the card, you will also cancel the account, otherwise there may be obstacles to applying for a credit card next time.

There are two types of credit card cancellation applications. One is to directly call the CCB credit card customer service number to cancel directly; the other is to go to the bank counter to apply for the cancellation according to the points mentioned above. First of all, you don’t know that you have There are several credit cards, so it is recommended that you go directly to the bank counter to apply for them, find out how many of them you have, and then cancel them.

How to cancel CCB credit card?

1. Cancellation of the personal savings account change notification service can be handled in the following ways:

(1) SMS cancellation: Use the contracted mobile phone to edit the "last four digits of the QXTZ# account" and send it to 95533 Cancel the corresponding account change notification service. Please do not include other character information or text descriptions in the text message.

(2) Website logout: Log in to the homepage of the CCB official website, select "Message Service Customization" in "Electronic Banking" at the top of the page, fill in and submit the relevant information, click "Savings Account", and then click the corresponding account number "Logout" button on the right.

(3) Personal online banking logout: Log in to CCB personal online banking, click the "Settings" button above, select "Message Service Customization", and select the corresponding account operation under "Savings Account" to log out.

2. Cancel the "Dragon Card Safe Use" service of credit card: Enter the CCB Credit Card website (), click "Enter My Credit Card" in the upper right corner, and cancel through "Management - Long Card Safe Use"; if you need to cancel the "Dragon Card" "Use the exclusive version with peace of mind", please dial 95533, select "Credit Card Business" and switch to manual processing. In addition, in order to ensure the security of personal funds and card use experience, CCB Credit Card will send you important business reminder text messages, which cannot be canceled.

That’s it for the introduction on how to cancel a CCB credit card.