How to inquire whether Guangfa Credit Card has been cancelled?

1. Confirm the balance. Determine the remaining arrears and balances, accurate to the minute. If you really don't know, you can also go to the counter. If you have outstanding money, you can't cancel it. In addition, if you have extra money, the bank will ask you to provide a savings card of your own bank and transfer the extra money to the savings card account.

It would be better if you have a savings card of this bank, but if you don't, you don't need to get a savings card specially. You can spend the extra money by shopping or charging the phone bill. If it's not just right, you can simply spend a little more, and the amount owed will be repaid by Alipay or mobile banking according to the amount (for example, if the credit card is 25.6 yuan more, you can recharge 3 yuan for yourself and then repay 4.4 yuan with the credit card).

2. Destroy the card and unbind the payment and withholding agreement of the payment platform. When you cancel, the customer service will teach you how to cut off your credit card, and remind you not to add new consumption. At this time, we have to check the previous binding records on Alipay, WeChat, Meituan, mobile phone automatic recharge or water and electricity withholding platforms one by one, and immediately cancel the binding to avoid new consumption.

3. Call customer service to confirm the result. The credit card cancellation period is generally 45 days. After the time, call the bank customer service to confirm whether the card cancellation is successful. Friends who are afraid of forgetting can make a memo or set an alarm clock.

4. Card cancellation does not mean account cancellation. If it is determined that it is not needed, it is best to cancel the card and cancel the account at the same time. If you only cancel your card, you will not be able to enjoy the treatment and preferential treatment of new customers if you apply for a credit card from the same bank next time, and you can avoid this problem by canceling your account. Therefore, it is best to cancel the account corresponding to the card at the same time.

Extended information:

Card issuance: After the applicant successfully applies for a credit card, the card issuing bank will open a separate credit card account for the cardholder at the card issuing bank for shopping, consumption and settlement after cash withdrawal.

card opening: since the card is sent by post after the credit card application is 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 program before it is officially opened. Card opening is mainly through telephone or internet, etc., to check the relevant personal information provided at the time of application, and complete the card opening procedure after it meets the requirements. At this time, the applicant becomes the card holder, and can officially start using it after signing on the back of the card.

identification: the card face of a credit card has at least the following information

front: name and logo of the issuing bank, credit card type (organization logo) and holographic anti-counterfeiting mark, card number, English or pinyin name, activation date (generally calculated to the month) and expiration date (generally calculated to the month). The chip account and card magnetic stripe account are two relatively independent accounts.

back: the magnetic stripe of the card, the cardholder's signature column (which must be signed after activation), the service hotline, the last four digits of the card number or all the card numbers (to prevent fraudulent use), and the credit card security code (the three digits immediately after the last four digits on the signature column on the back of the credit card are used for credit card activation, password management, TV, telephone and online transactions, etc.).

authorization: the merchant and the bank confirm that the credit card is valid, and contact the bank according to the contract signed with the issuing bank to request authorization. Authorization is the amount that can be used to further prove the identity of the cardholder. Authorization is generally carried out when the use amount stipulated in the contract is exceeded. After receiving the authorization notice, the issuing bank will issue an authorization instruction according to the balance of the cardholder's deposit account and the agreement that the bank allows overdraft, and reply whether to agree to the transaction.

use: credit cards are usually limited to the cardholder's own use, and lending them to others is generally a violation of the use contract.

card cancellation: before the credit card is cancelled, the account balance must be cleared, and the card cancellation process should be completed within 45 days after the application is made.

Reference: CGB official website-CGB Credit Card Customer Agreement (Personal Card).