How to cancel the credit card account of Ping An Bank?

Credit card cancellation process:

1. Call the bank customer service phone to apply for cancellation of the credit card. Note that at this time, bank customer service will generally retain you. If you decide to cancel your card, don't listen to him "fool" and insist on canceling it.

2. There will be a settlement period of 30 -45 days from the telephone application for cancellation to the formal cancellation. Never use a credit card again in the meantime.

3. 40 days after the cancellation, call the bank customer service to confirm whether the cancellation is successful, so as to avoid leaving a bad record for yourself because of the unsuccessful cancellation for special reasons.

4. Don't throw away the cancelled credit card everywhere. Cut the magnetic stripe and discard it to avoid being picked up by criminals and causing losses to yourself.

Before canceling the credit card, make sure that there is no balance, debt or extra deposit in the credit card. Because once a credit card has a balance, it cannot be cancelled.

Extended data:

There are several points to note when canceling a credit card:

1. Pay off all debts in time. This debt includes bill debt and annual fee. If there is still arrears in the card, forget it and cancel the card directly. After the interest is accrued, the amount reaches a certain amount, and the bank begins to "collect debts"!

2.45 days later, confirm whether to cancel the account. Credit card cancellation is usually handled through customer service, but it was not successful at that time. When the card is cancelled, the account will enter the pre-cancellation state, and it will take 45 working days to know whether the account has been cancelled successfully.

3. Cut off the magnetic stripe when the pin is stuck. If the card is complete, it may still be used in some consumer places that only need++and do not need to check the information. The best way is to cut the magnetic stripe into several pieces and throw it into different garbage dumps to prevent future troubles!

How to cancel the credit card?

1 card return: We usually call the customer service hotline to return the card, or go to the nearest bank outlet with my valid ID card and credit card.

Before we cancel the card, we also need to confirm that there is no debt in the card. If there are still debts, interest, fees or other expenses unpaid, we can't cancel it. Accordingly, if there is any overpayment in the card, the bank will refund it to us. Moreover, within 45 days of card withdrawal, any transaction will lead to card withdrawal failure, so we'd better call after 45 days to ask whether the card withdrawal is successful.

2 account cancellation: credit card account cancellation refers to the account cancellation of a single credit card, while account cancellation refers to the account cancellation of all bank cards under the name of the issuing bank. If you want to close your account, you need to bring your original valid ID card and go to the counter of any business outlet.

If the bank's account has signed up for special business, such as three-party depository, wealth management and other businesses involving third parties, it is necessary to cancel the contract within the jurisdiction of the branch before closing the account.

How to close the credit card?

If customers want to cancel their credit cards, they can directly call the hotline of the issuing bank and turn the "0" key to contact the customer service staff to apply.

If there is an offline business outlet of the issuing bank near the work and residence, the customer can also bring his personal ID card and credit card to the outlet counter to find the staff to cancel the account.

What we need to note is that after applying for account cancellation, the bank will not immediately cancel the account for the customer, but will leave a settlement period of 45 days. After 45 days have passed, it will be confirmed that there is no new bill or overpayment in the card, and then the card will be officially cancelled for the customer.

However, if there are outstanding bills or overpayments in the card, there is no way to cancel the success. Therefore, customers are advised to check the card usage before applying for card cancellation. If there are unpaid bills, they should pay them as soon as possible. If there is any overpayment, please withdraw it first and then apply for cancellation.

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How to cancel a credit card account?

How to cancel a credit card account?

1, telephone banking cancelled.

Basically, ordinary credit cards can be cancelled by telephone banking. Of course, some banks may be a little troublesome, while others are different, such as China CITIC Bank and China Merchants Bank, which are very convenient. Note that you can cancel your credit card by phone only if you can cancel it.

2. The bank counter is cancelled.

Going to the bank counter to cancel is also the method used. But pay attention to the following points:

First: bring the necessary documents, such as ID card, credit card, and prepare the money if the credit card owes money!

Second: remember to avoid the rush hour of the bank, so as not to queue for too long and delay your normal work and life.

Third: truthfully explain the situation to the staff. If you really want to return your card, don't change your mind easily

First, before applying for account cancellation and account cancellation, make sure that the points in your credit card have been redeemed to avoid wasting points. Because credit card points are consumer rewards from the issuing bank, you can exchange the corresponding items at the issuing bank. All the points in the card will be cleared after account cancellation and card return, so you must redeem the points before account cancellation and card return to avoid unnecessary losses.

Two, credit card cancellation in the settlement period shall not use credit cards. Because there will be a 45-day "settlement period" before the credit card account becomes effective, if you try to use the credit card again during this period, it will lead to the failure of account cancellation. So if you are not sure whether the account cancellation is successful, you can contact the issuing bank to ask. Of course, if the user goes back on his word before the account cancellation officially takes effect and wants to withdraw the account cancellation application, he can also contact the issuing bank to reopen the function.

Third, after the credit card expires, it is necessary to be cautious to cancel the account. If the credit card is overdue, you can apply for account cancellation or card refund immediately after handling the arrears, but you can still leave your overdue record in the credit report of the issuing bank. And the overdue record of this credit card will be kept in your personal credit report for 5 years. So what are we going to do? The correct way is to continue to use this credit card after full repayment, and gradually cover the overdue bad records with good records. Within two years, this overdue record will no longer affect your personal credit information.

Fourth, if the credit card only sells the card and does not cancel the account, it will not be able to enjoy the treatment of new users. Many banks stipulate that after 6 months to 12 months of successful account cancellation, they can apply for a new credit card and enjoy the treatment of new users again. However, if you just return the card and don't cancel the account, you are an old customer of the issuing bank, and you will not be treated as a new user when you apply for a new credit card again.

Therefore, the cancellation and cancellation of credit cards seems simple, but there are actually many precautions. Therefore, you must be prepared before canceling your account and card to reduce unnecessary trouble!

How to close the credit card?

By calling the customer service phone of the credit card center, follow the voice prompts, but it will not be cancelled at that time, but it will take several working days. It should be noted here that some banks do not support credit cancellation over the counter.

You can also go to the credit card bank and cancel it at the counter. It's not necessarily the bank that opened the account, but only if you guarantee that the credit card has no arrears can you cancel it. And it must be in person.

Extended data:

If the credit card is no longer used for personal reasons, it is recommended to cancel it immediately after paying off the money. You can keep the following conditions:

1, for credit cards that have not been issued, even if they are not going to be activated, they should be cancelled, otherwise an annual fee will be charged. It is recommended to cancel the credit card within one month after issuing the card, and no later than 12 months. What needs to be reminded here is that the bank counter does not provide credit card cancellation service. Most banks require cardholders to call the customer service of the bank's credit card center to apply for cancellation of their credit cards. There is a customer service phone number corresponding to the credit card center on the back of the credit card.

2. For credit cards that have been used normally, you must pay off the arrears before you can apply to the bank for cancellation. After the bank agrees and registers the account cancellation, the credit card will enter a 6-month freeze period (also called risk period, the specific time may vary from bank to bank, usually between 45 days and 6 months). If there is no new debt on the card during the freezing period, the card will be officially cancelled after the freezing period.

3. After the card is successfully cancelled, it is best to cut the credit card magnetic card yourself. In addition to the fact that credit cards cannot be cancelled due to arrears, some people save more money than they owe when they repay, resulting in a balance on their credit cards and the inability to return them. Suggest spending the balance.

How to cancel the mobile phone card on the mobile phone?

Unicom mobile phone card single card users can log in to the mobile phone business hall through the mobile phone number and password of the account to be cancelled, select the service-handling-account cancellation business, and apply for account cancellation by the number.

1. Step 1: Go to the home page of account cancellation and select the reason for account cancellation (single choice).

2. Step 2: Click "Next" to enter the user notification interface, and "I have read and agreed to the user notification" must be checked.

3. Step 3: Enter the SMS verification code /ICCID verification number.

4. Step 4: After SMS verification /ICCID verification passes, the system will judge whether the account balance meets the processing conditions.

5. Step 5: After the identity authentication is passed, click Next to enter the on-site verification stage.

6. Step 6: After the real person is authenticated, enter and select the balance transfer method (bank card, mobile phone number, giving up balance).

How to cancel a credit card

Credit card cancellation process:

First, verify the credit card account.

Before canceling the credit card, the cardholder needs to confirm whether he has paid off all the credit card debts. If not, he should pay off his debts before applying for cancellation of his credit card.

Second, the integral processing

When a cardholder cancels his credit card, he needs to check his credit card points first. According to his current credit card points, he should try to exchange some gifts or phone bills. Don't waste his credit card points After all, this is the points accumulated every time I swipe my card. After canceling the credit card, the credit card points will be cleared.

Third, the pre-sale account

Credit card holders can call the bank's customer service center, go through the pre-cancellation procedures, and officially cancel their accounts at the bank branch counter.

Fourth, officially cancel the account.

The cardholder goes to the bank to apply for account cancellation. After 45 days, the bank needs to confirm that all the debts of the credit card have been paid off before it can close the account.

Verb (abbreviation for verb) card destruction

After the user cancels the credit card, the bank will destroy the card.

Credit card cancellation method:

1. Call the bank credit card center to inquire about cancellation, mainly depending on whether your card is suitable for cancellation and whether there is a balance. When canceling the credit card by telephone, the bank accepts the user's application for cancellation of the credit card after receiving the call, and after deducting the annual fee receivable from all the cards under its account, the account balance is zero or the customer explicitly gives up the remaining deposit in the account.

Second, cancel the credit card at the bank counter. The cardholder must bring his ID card and the credit card to be cancelled to the bank to fill out the card cancellation application form. You can collect the card first, and then do the corresponding cancellation procedures one month later, but you can also make an appointment to cancel the account directly on the day of card cancellation.

In addition, credit card cancellation is divided into card cancellation and account cancellation. It is recommended to cancel the account after returning the card, otherwise there may be some problems in re-applying for the credit card. If there are still points in the credit card to cancel, it is recommended to redeem them all before canceling the card; After submitting the application for card cancellation, the cardholder shall not use the credit card again before it takes effect, otherwise the application for card cancellation will be automatically cancelled; After formal cancellation, cut it along the magnetic stripe of the credit card and discard it to prevent theft.

If the cardholder's credit card limit is very low, and he chooses to cancel the credit card at this time, the cardholder also needs to pay attention to his card holding situation. If you apply for a 1 time credit card, I suggest that you don't cancel it, because with this credit card, you can better support your personal credit. It is very helpful to improve your personal credit by swiping it, and it is also very helpful to apply for credit cards from other banks in the future. If the cardholder holds a large number of credit cards and thinks that his credit card is enough and wants to cancel it, then the cardholder also needs to seriously consider when applying for cancellation. If he holds too many credit cards, it will become more and more difficult to apply for them and it will become easier to cancel them.

This concludes the introduction of how to cancel the credit card account and how to cancel the credit card account of Ping An Bank. I wonder if you have found the information you need?